<SEC-DOCUMENT>0000946275-16-000331.txt : 20161017
<SEC-HEADER>0000946275-16-000331.hdr.sgml : 20161017
<ACCEPTANCE-DATETIME>20161017140940
ACCESSION NUMBER:		0000946275-16-000331
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160731
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20161017
DATE AS OF CHANGE:		20161017

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORWOOD FINANCIAL CORP
		CENTRAL INDEX KEY:			0001013272
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232828306
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28364
		FILM NUMBER:		161938661

	BUSINESS ADDRESS:	
		STREET 1:		717 MAIN ST
		STREET 2:		PO BOX 269
		CITY:			HONESDALE
		STATE:			PA
		ZIP:			18431
		BUSINESS PHONE:		7172531455
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K/A
<SEQUENCE>1
<FILENAME>f8ka2_073116-0160.htm
<DESCRIPTION>AMENDMENT NO. 2 TO FORM 8-K/A - NORWOOD FINANCIAL CORP.
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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">UNITED STATES</div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Washington, D.C. 20549</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 12pt">FORM 8&#8209;K/A</div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">(Amendment No. 2)</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 12pt">CURRENT REPORT</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Pursuant to Section 13 or 15(d) of</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">the Securities Exchange Act of 1934</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Date of Report (Date of earliest event reported)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">July 31, 2016</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">NORWOOD FINANCIAL CORP.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Exact name of registrant as specified in its charter)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">0-28364</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">23-2828306</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(State or other jurisdiction</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">of incorporation)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Commission</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">File Number)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Identification No.)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: justify">717 Main Street, Honesdale, Pennsylvania</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">18431</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">(Address of principal executive offices)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">(570) 253-1455</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">&#9744;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">NORWOOD FINANCIAL CORP.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center"><u>INFORMATION TO BE INCLUDED IN THE REPORT</u></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: justify"><u>Explanatory Note</u></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify; TEXT-INDENT: 36pt">Norwood Financial Corp. (the "Registrant") is filing this Amendment No. 2 to its Curent Report on Form 8-K for the event on July 31, 2016 in order to make certain correctons to Exhibit 99.3 thereto.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: justify"><u>Item 9.01&#160; Financial Statements and Exhibits</u></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; FONT-STYLE: italic">Financial statements of businesses acquired.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify; MARGIN-LEFT: 36pt">Delaware's audited consolidated balance sheets at December 31, 2015 and 2014 and consolidated statements of income, comprehensive income, changes in shareholders' equity and cash flows for the years then ended are incorporated herein by reference to Exhibit 99.2 hereto.&#160; Delaware's unaudited consolidated balance sheet at March 31, 2016 and consolidated statements of income, comprehensive income, and cash flows for the three months ended March 31, 2016 are incorporated herein by reference from Exhibit 99.3 hereto.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; FONT-STYLE: italic">Pro forma financial information.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify; MARGIN-LEFT: 36pt">The pro forma financial information required by this item is incorporated herein by reference to Exhibit 99.4.</div>

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<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; FONT-STYLE: italic">Shell Company Transactions.&#160; </font>Not Applicable</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">(d)</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; FONT-STYLE: italic">Exhibits.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify; MARGIN-LEFT: 72pt; TEXT-INDENT: -36pt">The following exhibits are filed with this report.</div>

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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; WIDTH: 78.33%; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; FONT-STYLE: normal">
<div style="TEXT-ALIGN: justify"><u>Description</u></div>
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<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">2.1</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Agreement and Plan of Merger, dated as of March 10, 2016, by and among&#160; the Registrant, Wayne Bank, Delaware and NBDC Bank (incorporated by reference to Exhibit 2.1 to the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on March 10, 2016 (Commission File No.<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">&#160;</font>0-28364))</div>
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<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">4.1</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">Amended and Restated Declaration of Trust, dated as of October 31, 2007&#8224;</td>
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<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
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<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">4.2</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">Indenture, dated October 31, 2007, between Wells Fargo Bank, National Association, as trustee, and Delaware Bancshares, Inc.&#8224;</td>
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<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">4.3</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">First Supplemental Indenture, dated as of July 31, 2016, by and between Wells Fargo Bank, Ntiolnal Association, as Trustee, and Norwood Financial Corp.&#8224;</td>
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<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">&#160;</td>
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<tr>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">23.1</div>
</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Consent of Dannible &amp; McKee, LLP *</div>
</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">99.1</div>
</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Registrant's press release dated August 1, 2016*</div>
</td>
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<tr style="HEIGHT: 17px">
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">&#160;</td>
</tr>
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<div>&#160;</div>

<div>&#160;</div>

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<div>&#160;</div>

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<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-VARIANT: normal; FONT-WEIGHT: bold; FONT-STYLE: normal"><u>Description</u></font>&#160;</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">&#160;</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify">99.2</div>
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<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify">Audited Consolidated Financial Statements of Delaware (incorporated by reference from Registrant's Registration Statement on Form S-4 (Commission File No. 333-210850))</div>
</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">&#160;</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify">99.3</div>
</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify">Unaudited Consolidated Financial Statements of Delaware</div>
</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">&#160;</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify">99.4</div>
</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: justify">Unaudited pro forma condensed consolidated financial statements *</div>
</td>
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<tr>
<td style="WIDTH: 15.52%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 6.15%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 78.33%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="TEXT-ALIGN: justify">&#160;</div>

<div style="TEXT-ALIGN: justify">&#8224;Not filed in accordance with the provisions of Item 601(b)(4)(iii)(A) of Regulation S-K.&#160; The Registrant undertakes to provide a copy of this document to the Commission upon </div>

<div style="TEXT-ALIGN: justify">&#160;&#160; request.</div>

<div style="TEXT-ALIGN: justify">*Previously filed</div>
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</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">SIGNATURES</div>

<div><br>
</div>

<div><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify; TEXT-INDENT: 36pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</div>

<div><br>
</div>

<div><br>
</div>

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<td style="WIDTH: 48.94%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 3.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 47.96%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: justify">NORWOOD FINANCIAL CORP.</div>
</td>
</tr>

<tr>
<td style="WIDTH: 48.94%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>

<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Date:&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">October 17, 2016</font></div>
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<td style="WIDTH: 3.1%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 5.14%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">By:</div>
</td>
<td style="WIDTH: 42.82%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">/s/ Lewis J. Critelli</div>
</td>
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<tr>
<td style="WIDTH: 48.94%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 5.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 42.82%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Lewis J. Critelli</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">President and Chief Executive Officer</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">(Duly Authorized Representative)</div>
</td>
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<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>2
<FILENAME>ex99-3.htm
<DESCRIPTION>EXHIBIT 99.3 - UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS OF DELAWARE
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>DELAWARE BANCSHARES, INC.</u></div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Consolidated Balance Sheets (unaudited)</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">(In Thousands of Dollars)</div>

<div><br>
</div>

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<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">&#160;March 31,</div>
</td>
<td style="WIDTH: 17.42%; VERTICAL-ALIGN: top" colspan="3">
<div style="TEXT-ALIGN: center">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">December 31,</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">2016</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2015</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">ASSETS:</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Cash and due from banks</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12,319</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,760</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Interest bearing deposits with banks</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">16,337</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,394</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;Cash and cash equivalents</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">28,656</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,154</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Securities held- to-maturity</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,401</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,412</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Securities available-for-sale</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">201,888</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">209,214</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total Securities</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">206,289</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">213,626</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loans receivable</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">114,245</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">115,704</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Less:&#160; Allowance for loan losses</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(1,640)</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(1,677)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net loans receivable</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">112,605</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">114,027</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Regulatory stock, at cost</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">313</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">516</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Premises and equipment, net</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,085</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,200</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Bank owned life insurance</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">14,632</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">14,554</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Accrued interest receivable</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,432</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,416</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Foreclosed real estate owned</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Goodwill</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,322</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,322</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other intangibles</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,401</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,463</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Deferred tax asset</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,813</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3,094</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other assets</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">5,849</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,317</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;</font>TOTAL ASSETS</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">383,397</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">371,689</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">LIABILITIES AND STOCKHOLDERS' EQUITY</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">LIABILITIES</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Deposits:</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Non-interest bearing demand</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">65,112</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">65,162</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest-bearing</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">266,939</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">251,807</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">&#160;&#160;&#160;</font>Total Deposits</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">332,051</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">316,969</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Short term borrowings</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,533</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,777</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other borrowings</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">11,695</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">11,781</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Junior subordinated debentures</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8,248</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8,248</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Accrued interest payable</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">178</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">799</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other liabilities</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">5,562</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,055</div>
</td>
</tr>

<tr style="HEIGHT: 14px">
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;TOTAL&#160; LIABILITIES</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">360,267</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">350,629</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">STOCKHOLDERS' EQUITY</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Common stock, $1.25 par value per share, authorized</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;1,500,000 shares; issued 1,076,811 shares</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,346</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,346</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Surplus</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8,315</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8,315</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Retained earnings</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">19,237</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">19,102</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Accumulated other comprehensive income</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(1,052)</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(2,987)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Treasury stock at cost, 151,312 shares</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(4,716)</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(4,716)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;TOTAL STOCKHOLDERS' EQUITY</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">23,130</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">21,060</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.17%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 12.96%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">383,397</div>
</td>
<td style="WIDTH: 2.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.13%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.87%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">371,689</div>
</td>
</tr>
</table>

<div><br>
</div>

<div><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">See accompanying notes to the unaudited consolidated financial statements.</div>

<div>&#160;</div>

<div>&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">1</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div>&#160;</div>

<div><br>
 &#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>DELAWARE BANCSHARES, INC.</u></div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Consolidated Statements of Income (unaudited)</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;(In Thousands of Dollars, except per share data)</div>

<table id="zf1313710433248e8856787a38a9187d2" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: center" colspan="5">&#160;&#160;Three Months

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Ended&#160; March 31</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">2016</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">2015</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">INTEREST INCOME</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Loans receivable, including fees</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,347</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,263</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Securities</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,248</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,361</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Total interest income</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,595</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,624</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">INTEREST EXPENSE</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Deposits</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">236</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">257</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Short-term borrowings</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">15</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other borrowings</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">163</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">165</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Junior subordinated debentures</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">152</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">152</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Total interest expense</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">554</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">589</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">NET INTEREST INCOME</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,041</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,035</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">PROVISION FOR LOAN LOSSES</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">45</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">NET INTEREST INCOME AFTER</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;PROVISION FOR LOAN LOSSES</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,041</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,990</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">OTHER INCOME</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Service charges and fees</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">246</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">238</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Income from fiduciary activities</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Net realized gains on sales of securities</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">43</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">703</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Gain on sale of loans and servicing rights, net</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Earnings and proceeds on bank owned life insurance</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">78</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">78</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">243</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">244</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Total other income</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">616</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,266</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">OTHER EXPENSES</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Salaries and employee benefits</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,240</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,514</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Occupancy, furniture and equipment, net</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">354</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">423</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Data processing</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">258</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">257</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Taxes other than income</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Professional fees</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">374</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">188</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Federal Deposit Insurance Corporation insurance</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">61</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">49</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Foreclosed real estate</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">7</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">17</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Amortization of intangibles</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">63</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">71</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">501</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">644</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Total Other Expenses</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,858</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3,163</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">INCOME BEFORE INCOME TAXES</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(201)</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">93</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">INCOME TAX (BENEFIT) EXPENSE</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(166)</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(86)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">NET INCOME</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(35)</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">179</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">BASIC EARNINGS PER SHARE</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(0.04)</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">0.19</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">DILUTED EARNINGS PER SHARE</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(0.04)</div>
</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">0.19</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.26%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.02%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.97%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.39%; VERTICAL-ALIGN: top">&#160;</td>
</tr>
</table>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">See accompanying notes to the unaudited consolidated financial statements.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">2</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">
<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Delaware Bancshares, Inc.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(In Thousands of Dollars)</div>

<div><br>
</div>

<div><br>
</div>

<table id="z0a0a10f3acf84a1cb3488394395f64d5" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 32.79%; VERTICAL-ALIGN: top" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Three Months </div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 32.79%; VERTICAL-ALIGN: top" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Ended March 31</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">2016</div>
</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">2015</div>
</td>
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<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net income (loss)</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(35)</div>
</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">179</div>
</td>
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<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other comprehensive income (loss):</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#160;&#160;</font>Change in unrealized net gains (losses) on</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#160;&#160;&#160;&#160;</font>available-for-sale securities, net of tax of</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#160;&#160;&#160;&#160;</font>$1,275 and $429 for 2016 and&#160;2015, respectively</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,911</div>
</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">643</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#160;&#160;</font>Change in unrecognized loss on pension liability,</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#160;&#160;&#160;&#160;</font>net of tax of $(-) and $(-) for 2016 and 2015, respectively</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Change in unrealized loss on interest rate swap,</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#160;&#160;&#160;&#160;</font>net of tax of $14 and $11 for 2016 and 2015, respectively</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">23</div>
</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">18</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,934</div>
</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">661</div>
</td>
</tr>

<tr>
<td style="WIDTH: 67.21%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; COMPREHENSIVE INCOME</div>
</td>
<td style="WIDTH: 3.19%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 9.71%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,899</div>
</td>
<td style="WIDTH: 3.6%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px">&#160;</td>
<td style="WIDTH: 2.91%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">$</div>
</td>
<td style="WIDTH: 13.37%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">840</div>
</td>
</tr>
</table>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">3</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">
<table id="za814abffcfca4d77aa7bd1ad62cf3fa3" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: top" colspan="10">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">DELAWARE BANCSHARES, INC.&#160;&#160;&#160;&#160;</div>
</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" colspan="10">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">CONSOLIDATED STATEMENTS OF CASH FLOWS&#160;&#160;</div>
</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" colspan="10">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(In Thousands of Dollars)</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">&#160;&#160;&#160;&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;For the three months</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;ended March 31,</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">OPERATING ACTIVITIES</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net income (loss)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;$</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (35)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;$</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">179</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Adjustments to reconcile net income to net cash</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;provided by operating activities:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Provision for loan losses</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;45</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Provision for depreciation and amortization</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;194</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;210</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Amortization of investment security premiums</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;260</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;790</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Deferred tax expense (benefit)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;621</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Realized investment security gains</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(43)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(703)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Increase (decrease) in accrued interest receivable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(15)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Decrease in accrued interest payable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Increase in other assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(117)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(17)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Increase in bank owned life insurance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(78)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(78)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Increase (decrease) in other liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(606)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;118</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Decrease in deferred compensation</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(116)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(108)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">NET CASH PROVIDED BY OPERATING</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">&#160;&#160;&#160;ACTIVITIES</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;65</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;445</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">INVESTING ACTIVITIES</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Proceeds from maturities of held-to-maturity investment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr style="HEIGHT: 12px">
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;321</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Purchases of held-to-maturity investment securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(310)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Proceeds from maturities and sales of available-for-sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;investment securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,854</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;68,325</div>
</td>
</tr>

<tr style="HEIGHT: 18px">
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Purchases of available-for-sale securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,541)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(47,480)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Proceeds from sale of Federal Home Loan Bank stock</div>
</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;203</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,114</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
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</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,343</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(2,416)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Purchases of bank premises, furniture, and fixtures</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">NET CASH USED FOR INVESTING ACTIVITIES</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right">&#160;11,870</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right">&#160;19,541</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">FINANCING ACTIVITIES</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net increase in demand deposits, NOW accounts</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;and savings accounts</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,068</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,865</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net increase (decrease) in certificates of deposit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(3,768)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Increase (decrease) in securities sold under agreements</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;to repurchase</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;256</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(356)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Repayment of advances from Federal Home Loan Bank</div>
</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(4,500)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(24,750)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Repayment of long term debt</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(86)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Cash dividends</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(185)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(185)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="VERTICAL-ALIGN: top" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">NET CASH PROVIDED BY (USED FOR) FINANCING</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">&#160;&#160;&#160;ACTIVITIES</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,567</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(15,194)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">INCREASE IN CASH AND CASH EQUIVALENTS</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,502</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,792</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Cash and cash equivalents, beginning of year</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,154</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,531</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 51.53%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 2.98%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">CASH AND CASH EQUIVALENTS AT END OF PERIOD&#160;&#160;&#160;&#160;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px">&#160;</td>
<td style="WIDTH: 2.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">$</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right">&#160;28,656</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px">&#160;</td>
<td style="WIDTH: 1.88%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double">$</td>
<td style="WIDTH: 16.51%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right">&#160;13,323</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">&#160;</div>
</td>
<td style="WIDTH: 16.14%; VERTICAL-ALIGN: top">
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Delaware Bancshares, Inc.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: justify; TEXT-INDENT: 15.65pt">NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS</div>

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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 18pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">1.</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Basis of Financial Statement Presentation</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt">The unaudited consolidated financial statements include all accounts of Delaware Bancshares, Inc. (the "Company") and its wholly owned subsidiary, The National Bank of Delaware County (the "Bank").&#160; All significant intercompany balances and transactions have been eliminated in consolidation. The accompanying unaudited consolidated&#160; financial statements have been prepared in conformity with generally accepted accounting principles for interim financial statements and with instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period.&#160; Actual results could differ from those estimates.&#160; The financial statements reflect, in the opinion of management, all normal, recurring adjustments necessary to present fairly the financial position and results of operations of the Company. These statements should be read in conjunction with the consolidated financial statements and related notes which are incorporated by reference in the Current Report on Form 8-K/A filed by Norwood Financial Corp.("Norwood") for the merger of the Company with Norwood which was completed on July 31, 2016.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">2.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: justify">Investment Securities</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The following is a summary of held-to-maturity and available-for-sale securities:<br>
 &#160;</div>

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<div style="TEXT-ALIGN: left">
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Held-to-Maturity Securities</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Gross</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<td valign="bottom" colspan="2">
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></td>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Amortized</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Cost</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Gains</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Losses</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Value</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(In Thousands of Dollars)</div>
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<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">March 31, 2016</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Obligations of states and</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">political subdivisions</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,400</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,400</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<tr>
<td style="WIDTH: 52%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Mortgaged backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">TOTAL HELD-TO-MATURITY</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">SECURITIES</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,401</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,401</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">5</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: left">
<table id="zb2f2480f16e843a69101a469333dd36f" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 56.26%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="WIDTH: 40.64%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="13">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Available-for-Sale Securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 18px">
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 56.26%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11.34%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 8.24%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Gross</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 8.24%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Gross</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 56.26%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 11.34%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Amortized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 8.24%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 8.24%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 7.27%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 56.26%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 11.34%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Cost</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 8.24%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Gains</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 8.24%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Losses</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 7.27%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 56.26%" valign="bottom">&#160; </td>
<td style="WIDTH: 40.64%" valign="bottom" colspan="13">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; DISPLAY: block">(In Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; DISPLAY: block">March 31, 2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11.34%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.24%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.24%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">U.S. Treasury securities and</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11.34%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.24%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.24%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160; obligations of U.S. Government</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11.34%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.24%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.24%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 6.2%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160; agencies and corporations</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">71,172</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">312</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(189</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">71,295</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">Obligations of states and</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160; political subdivisions</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">63,978</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,045</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(65</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">64,958</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">Other securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11,121</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">118</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">-</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11.239</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 22px">
<td style="WIDTH: 56.26%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">Mortgaged backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">54.151</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7.17%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">325</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(108</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">54,368</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 15px">
<td style="WIDTH: 56.26%" valign="bottom" align="left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Total Debt Securities</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">200,422</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7.17%; TEXT-ALIGN: right" valign="bottom">1,800</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(362</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"><font style="FONT-WEIGHT: normal">)</font>&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;201,860</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 15px">
<td style="WIDTH: 56.26%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160;Equity Securities</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">28&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7.17%; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">-&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">-&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">28&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; TOTAL AVAILABLE-FOR-SALE SECURITIES</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">200,450</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,800</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(362</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">201,888</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 56.26%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; DISPLAY: block">&#160;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.07%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10.27%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.17%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 6.2%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3.21%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
 &#160;</div>

<div style="DISPLAY: block">
<div style="TEXT-ALIGN: left">
<table id="z83827993e85949f4beecbc58ad3966f5" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="15">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Held-to-Maturity Securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Gross</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Gross</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Amortized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Cost</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Gains</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Losses</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td valign="bottom" colspan="15">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(In Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">December 31, 2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Obligations of states and</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">political subdivisions</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,411</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,412</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Mortgaged backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">TOTAL HELD-TO-MATURITY SECURITIES</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,412</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,412</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</div>

<div style="TEXT-ALIGN: left">
<table id="zd0339cf6c6f94558ad6a12914839b1cf" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 51%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="WIDTH: 48%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="15">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Available-for-Sale Securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 51%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 10%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Gross</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 10%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Gross</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 51%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 10%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Amortized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 10%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 10%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 10%" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 51%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Cost</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Gains</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Losses</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 51%" valign="bottom">&#160; </td>
<td style="WIDTH: 48%" valign="bottom" colspan="15">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(In Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">December 31, 2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">U.S. Treasury securities and</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">obligations of U.S. Government</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">agencies and corporations</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">85,246</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">75</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(1,012</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">84,309</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 6px">
<td style="WIDTH: 51%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Obligations of states and</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">political subdivisions</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">58,489</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">478</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(202</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">58,765</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Other&#160;securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11,162</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(217</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">10,934</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Mortgage backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">56,066</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">11</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(882</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">55,934</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%; BORDER-BOTTOM-COLOR: " valign="bottom" align="left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Total Debt Securities</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; BORDER-BOTTOM-COLOR: " valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right" valign="bottom">210,952</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: " valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right" valign="bottom">564</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: " valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right" valign="bottom">&#160;(2.313</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: " valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right" valign="bottom">&#160;209,203</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%; PADDING-BOTTOM: 2px" valign="bottom" align="left">Equity Securities</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;11</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: #000000 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 51%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">TOTAL AVAILABLE-FOR-SALE SECURITIES</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">210,963</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">564</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(2,313</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">209,214</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">6</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The amortized cost and estimated fair value of investments in debt securities at March 31, 2016, by contractual maturity, are shown below.&#160;&#160;Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="z1a83c6e9acda4b5cb877b2d7393e2eea" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Amortized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Estimated</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Cost</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(in Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Held-to-Maturity</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due in one year or less</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2,894</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2,894</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due after one year through five years</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">961</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">961</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due after five years through ten years</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">252</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">252</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due after ten years</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">293</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">293</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Mortgaged backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,401</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,401</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="z093d8eed2a5d427189f8713eb4a251e9" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Amortized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Estimated</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Cost</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(in Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Available-for-Sale</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 12px">
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due in one year or less</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">441</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">443</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due after one year through five years</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">8,427</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">8,493</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due after five years through ten years</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">91,973</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">92,697</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Due after ten years</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">45,430</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">45,859</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Mortgaged backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">54,151</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">54,368</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">200,422</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">201,860</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The following tables show the investments gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and &#160;December 31, 2015.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; DISPLAY: block">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; DISPLAY: block">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; DISPLAY: block">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<table id="z5816099c9a3842068eca3b5b65d4d3e4" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160;</td>
<td style="WIDTH: 184px; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Less than 12 Months</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 168px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">12 Months or More</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 19px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 155px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 19px">
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 86px" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 14px; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7px; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 75px" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 89px" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16px; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 67px" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 19px; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 76px" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 13px; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 67px" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 86px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 14px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 75px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 89px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 67px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 19px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 76px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 13px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 67px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; DISPLAY: block">Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 14px">
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px" valign="bottom">&#160;</td>
<td style="WIDTH: 588px" valign="bottom" colspan="19">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; DISPLAY: block">(In Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; DISPLAY: block">March 31, 2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 86px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 14px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 75px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 89px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 19px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 13px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">U.S. Treasury securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 86px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 14px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 75px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 89px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 19px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 13px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160; and obligations of U.S.</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 86px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 14px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 75px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 89px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 19px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 13px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160; Government agencies</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 86px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 14px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 75px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 89px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 19px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 13px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 67px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 38px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 31.98%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160; and corporations</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11,748</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.5%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(119</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.7%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">12,134</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.89%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.24%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(70</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.99%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">23,882</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.39%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.03%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(189</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4.06%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 31.98%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">Obligations of states and</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.5%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.7%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.89%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.24%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.99%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.39%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.03%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4.06%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 12px">
<td style="WIDTH: 31.98%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160; political subdivisions</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">5,429</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.5%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(55</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.7%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;4,075</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.89%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.24%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(10</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.99%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">9,504</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.39%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.03%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(65</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4.06%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 31.98%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">Other securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.5%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.7%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.89%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.24%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">(37</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.99%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.39%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.03%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4.06%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr>
<td style="WIDTH: 31.98%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; DISPLAY: block">Mortgage backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11,823</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.5%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(71</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7.7%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">9,060</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.89%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 5.24%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; DISPLAY: block">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.99%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">20,883</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.39%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.03%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(108</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4.06%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 31.98%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; DISPLAY: block">TOTAL TEMPORARILY</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.5%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.7%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.89%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.24%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.99%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.39%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.03%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4.06%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 31.98%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; DISPLAY: block">&#160;&#160;&#160;&#160;&#160;IMPAIRED SECURITIES</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 0.96%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">29,000</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.5%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.27%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(&#160;245</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 7.7%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">25,269</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.71%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.89%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.24%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(117</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.99%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">54,269</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.39%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2.03%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5.03%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(362</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4.06%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>
</table>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; DISPLAY: block">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; DISPLAY: block">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">7</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><br>
 &#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: left">
<table id="z2a70386eb75148cb8ec99eb6d8e406e4" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160;</td>
<td style="WIDTH: 204px; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Less than 12 Months</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">12 Months or More</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 92px" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unrealized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 92px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Value</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px" valign="bottom">&#160;</td>
<td style="WIDTH: 652px" valign="bottom" colspan="22">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(In Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">December 31, 2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 92px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">U.S. Treasury securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 92px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">and obligations of U.S.</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 92px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Government agencies</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 11px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 92px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 28%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">and corporations</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">33,422</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(326</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">36,857</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(686</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">70,279</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(1,012</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 28%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Obligations of states and</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 12px">
<td style="WIDTH: 28%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">political subdivisions</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">5,704</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(100</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">12,225</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(102</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">17,929</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(202</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 28%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Mortgaged backed securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">38,325</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(645</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">13,817</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(237</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">52,142</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(882</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 28%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Other securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">10,934</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(217</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">10,934</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(217</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 28%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">TOTAL TEMPORARILY</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 28%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;&#160;&#160;&#160;&#160;IMPAIRED SECURITIES</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.18%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">88,385</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(1,288</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">62,899</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(1,025</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">151,284</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(2,313</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>
</table>
</div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left"><br>
 &#160;</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">At March 31, 2016, the Bank had&#160;52 debt securities with unrealized losses in the above table.&#160;&#160;These unrealized losses relate principally to changes in interest rates.&#160;&#160;In analyzing an issuer&#8217;s financial condition, management considers whether the securities are issued by the Federal government or its agencies, whether downgrades by bond rating agencies have occurred, and industry analysts&#8217; reports.&#160;&#160;As management has the ability to hold debt securities until maturity, or for the foreseeable future if classified as available-for-sale, no declines are deemed to be other-than-temporary.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table id="zaf13e3c87e1748f2989204223eb97a76" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0" align="center" border="0">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3.</div>
</td>
<td>
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: justify">Loans</div>
</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt">The loan portfolio at March 31, 2016 and December 31, 2015, is summarized as follows:</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: right">
<table id="z0dca4e757db94e3ca3c08911431d6913" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 80%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="WIDTH: 22%" valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(in Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 18px">
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt">Real estate mortgages:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">74,972</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">73,262</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Commercial</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">19,091</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">21,401</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Farm</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,616</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">3,622</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Loans to farmers</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,437</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">1,500</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial loans</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">8,615</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">8,201</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Installment loans to individuals</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">6,514</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" valign="bottom">7,718</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">114,245</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" valign="bottom">115,704</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The loan portfolio includes certain loans, which are considered impaired because, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreements.</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">8</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; WIDTH: 100%; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"></div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Following is a summary of nonaccrual loans and impaired loans as of March 31, 2016 and December&#160;31,&#160;2015 and 2014, by class of financing receivables (in thousands of dollars):</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="za1e4bbfeb23344c4b8067e8f9074bf8e" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td valign="bottom" colspan="6">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(in Thousands of Dollars)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt">Nonaccrual Loans</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%" valign="bottom" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: bold; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt">Commercial &#8211; Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">124</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;36</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt">Commercial &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt">Agricultural &#8211; Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">514</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">730</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 76%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">638</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right" valign="bottom">766</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
 &#160;</div>

<div style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Impaired Loans as of March 31, 2016</div>

<div style="TEXT-ALIGN: left">
<table id="z1b5e9525a8274efdaaad5957c07f7234" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 77px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recorded</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 12px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unpaid</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Principal</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Related</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Allowance</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Average</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recorded</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Interest</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Income</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recognized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 77px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 12px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial- Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,268</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.48%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,268</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">296</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">980</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">14</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,016</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.48%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,016</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">95</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,074</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">16</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 13px">
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">360</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.48%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">360</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">459</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">6</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">95</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.48%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">195</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">142</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,006</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.48%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,006</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">14</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,027</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">15</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 8.45%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.48%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.45%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,745</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.48%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,745</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">405</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,682</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">53</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<br>
</div>

<div style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Impaired Loans as of December 31, 2015</div>

<div style="TEXT-ALIGN: left">
<table id="z4c434b53daa54a599c40b93279ca02e3" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recorded</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unpaid</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Principal</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Related</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Allowance</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Average</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recorded</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Interest</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Income</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recognized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial- Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">691</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">691</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">713</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">40</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-WEIGHT: normal">C</font>ommercial &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,131</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,131</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">95</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,101</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">67</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">557</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">557</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">565</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">30</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">188</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">188</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">202</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">14</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,047</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,047</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">52</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,052</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">62</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,614</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,614</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">147</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,633</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">213</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">9</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">At March 31, 2016 and 2015, the allowance for loan losses and balance of financing receivables were composed of the following by portfolio segments:</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="za34e507b0e7e4e369cbc86941684cdcb" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&amp; Industrial</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Allowance for loan losses -</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Ending balance March 31, 2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">740</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">676</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">128</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">96</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,640</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Ending balance:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Individually evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">14</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">391</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">405</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Collectively evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">726</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">285</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">128</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">96</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,235</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Financing receivables ending balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">March 31, 2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">75,027</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">27,651</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">6,514</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">5,053</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">114,245</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 40%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Ending balance March 31, 2016:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Individually evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,006</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2,284</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">455</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,745</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt"><font style="FONT-WEIGHT: bold">Co</font>llectively evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">74,021</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">25,367</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">6,514</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,598</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">110,500</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 40%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="z030dc73f6c8442a98fe038b1006743f6" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&amp; Industrial</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Allowance for loan losses -</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Ending balance March 31, 2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">867</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">566</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;72</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">95</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,600</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Ending balance:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 22px">
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Individually evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">16</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">408</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">424</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Collectively evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">851</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">158</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;72</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">95</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,176</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 18px">
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Financing receivables ending balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">March 31, 2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">70,078</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">24,163</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">6,004</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,900</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">105,145</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 40%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Ending balance March 31, 2015:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Individually evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160; 664</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2,046</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;11</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">483</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">3,204</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt">Collectively evaluated for impairment</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;69,414</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">22,117</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">5,993</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,417</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">101,941</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 40%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
 &#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>&#160;</div>

<div><br>
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">10</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">For purposes of establishing the allowance for loan losses, financing receivables are classified by an internally assigned grade.&#160;&#160;Following is a summary of loans by credit quality and class as of March 31, 2016 and December&#160;31,&#160;2015:</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: left">
<table id="z915a0c1ea41f4a979e0e770bc0927354" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial Non</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Non</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%; PADDING-BOTTOM: 2px" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 82%" valign="bottom" colspan="26">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">March 31, 2016:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Uncriticized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">17,098</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">7,327</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,126</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">73,746</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">6,513</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">108,826</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Special Mention</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;<font style="FONT-WEIGHT: bold">&#160;</font></td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160; 923</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">366</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">43</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">122</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">220</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,674</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Substandard</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,070</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">922</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">557</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">189</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,006</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,745</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Doubtful</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 16%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">19,091</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">8,615</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,616</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,437</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">74,972</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">6,514</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">114,245</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
 &#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: left">
<table id="z02e8730965fb43f28590f40120c07892" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial Non</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Non</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%; PADDING-BOTTOM: 2px" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 16%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 82%" valign="bottom" colspan="26">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">December 31, 2015:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Uncriticized</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">19,662</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">6,533</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,022</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,189</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">71,992</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">7,718</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">110,116</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Special Mention</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;<font style="FONT-WEIGHT: bold">&#160;</font></td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,048</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">537</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">43</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">122</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">223</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,973</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Substandard</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">691</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,131</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">557</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">189</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,047</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,615</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 16%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Doubtful</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 16%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Loss</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 16%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt"><font style="LETTER-SPACING: 9pt">&#160;&#160;</font>Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">21,401</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">8,201</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,622</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,500</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">73,262</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">7,718</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">115,704</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div><br>
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">11</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt">Financing receivables aged by class are as follows at March 31, 2016:</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="z9c08073f8ee144388e5c9561e354bc20" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 22%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">30-59 <br>
Days <br>
 Past Due</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">60-89 <br>
Days <br>
 Past Due</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Greater <br>
than 90 <br>
 Days</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Past Due</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Current</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total<br>
 Loans</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recorded</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment<br>
&gt; 90 Days<br>
 Accruing</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 22%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%" valign="bottom" colspan="26">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 22%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
</tr>

<tr style="HEIGHT: 18px">
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial &#8211; Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">126</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">124</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">250</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">18,841</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">19,091</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">6</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">6</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">8,609</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">8,615</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Real estate&#160;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="WIDTH: 8%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160;</td>
<td style="WIDTH: 8%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 8%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="WIDTH: 1%" valign="bottom" align="left">&#160;</td>
<td style="WIDTH: 8%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 8%" valign="bottom" align="right">3,616</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="WIDTH: 1%" valign="bottom" align="left">&#160;</td>
<td style="WIDTH: 8%" valign="bottom" align="right">3,616</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="WIDTH: 9%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,437</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,437</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">773</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">381</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">298</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,452</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">73,520</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">74,972</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left"><font style="FONT-WEIGHT: normal">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 22%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">10</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;6</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">16</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">6,498</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">6,514</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 22%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">915</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">511</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">298</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,724</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">112,521</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">114,245</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="left"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>&#160;</div>

<div>Financing receivables aged by class are as follows at December&#160;31,&#160;2015:</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="z7dca55f1dfac4a5b82af7cc593fa2b60" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 22%; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">30-59 <br>
Days <br>
 Past Due</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">60-89 <br>
Days <br>
 Past Due</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Greater <br>
than 90 <br>
 Days</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Past Due</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Current</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total<br>
 Loans</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 10%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Recorded</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Investment<br>
&gt; 90 Days<br>
 Accruing</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 22%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 76%" valign="bottom" colspan="26">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 22%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="bottom" colspan="2" align="left">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial &#8211; Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">256</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">36</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">292</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">21,109</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">21,401</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">8,201</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">8,201</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160;<font style="FONT-WEIGHT: bold"> </font></td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">51</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">51</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,571</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">3,622</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left"><font style="FONT-WEIGHT: normal">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Agricultural &#8211; Non real estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,500</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,500</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left"><font style="FONT-WEIGHT: normal">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 22%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">590</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">196</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">447</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,233</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">72,029</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">73,262</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="left"><font style="FONT-WEIGHT: normal">&#160;</font> </td>
</tr>

<tr style="HEIGHT: 14px">
<td style="WIDTH: 22%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">46</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">11</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">57</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">7,661</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">7,718</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="left">&#160; </td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="left"><font style="FONT-WEIGHT: normal">&#160;</font> </td>
</tr>

<tr>
<td style="WIDTH: 22%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">943</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">207</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">483</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">1,633</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">114,071</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 8%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">115,704</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160; </td>
<td style="WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px" valign="bottom" align="left">&#160; </td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>&#160;</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div>
<table id="zf9d86e6c50644488a7acd972ec856c35" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0" align="center" border="0">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">4.</div>
</td>
<td>
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: justify">Reserve for Loan Losses</div>
</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Changes in the reserve during the years ended March 31, 2016 and 2015, are summarized as follows:</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="z3572456f585f42e895d4f938e050bcb2" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">March 31, 2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 15px">
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Beginning balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">222</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">566</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">756</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">132</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,676</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Provision for credit losses</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(9</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">20</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(10</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal">N</font>e</font>t charge-offs:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt">Charge-offs</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(7</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(38</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(7</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(52</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"><font style="FONT-WEIGHT: normal">)</font>&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal"><font style="FONT-WEIGHT: normal">R</font>e</font>c</font>overies</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">13</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">16</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-WEIGHT: normal">N</font>et charge-offs</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(7</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(36</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">6</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(36</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Ending balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">214</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">558</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">740</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">128</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,640</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<br>
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">12</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: left">
<table id="zbec428d8cb994f2a8bb94e2ec8f74e50" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 84px; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Commercial</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Real Estate</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Residential</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Consumer</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Total</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">March 31, 2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 84px; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 84px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 5px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 15px">
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Beginning balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">98</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9.38%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">430</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">998</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;85</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,611</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Provision for credit losses</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">89</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9.38%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">21</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(96</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;31</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;45</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal">N</font>e</font>t charge-offs:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9.38%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt">Charge-offs</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(3</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9.38%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(53</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(56</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal"><font style="FONT-WEIGHT: normal">R</font>e</font>c</font>overies</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9.38%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">10</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 2px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-WEIGHT: bold">Ne</font>t charge-offs</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(2</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9.38%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#8212;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(43</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">(45</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">)</td>
</tr>

<tr>
<td style="WIDTH: 40%; PADDING-BOTTOM: 4px" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-WEIGHT: normal">E</font>nding balance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">185</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9.38%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">451</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">902</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">&#160;73</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; BORDER-BOTTOM: black 4px double; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">1,611</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
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</div>

<br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Despite the above allocations, the allowance for credit losses is general in nature and is available to absorb losses from any loan.</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">
<div>
<table id="z643a374715c24165990ccd8879c46d5e" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0" align="center" border="0">
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">11.</div>
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<td>
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: justify">Fair Value Disclosures</div>
</td>
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<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">FASB authoritative guidance on fair value measurements provides a framework for measuring fair value under accounting principles generally accepted in the United States of America.&#160;&#160;The guidance applies to all financial instruments that are being measured and reported on a fair value&#160;basis.</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; WIDTH: 100%; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"></div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">As defined in the guidance, fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.&#160;&#160;In determining fair value, the Bank uses various methods, including market, income, and cost approaches.&#160;&#160;Based on these approaches, the Bank often utilizes certain assumptions that market participants would use in pricing the asset or liability, including assumptions about risk and/or the risks inherent in the inputs to the valuation technique.&#160;&#160;These inputs can be readily observable, market corroborated, or generally unobservable inputs.&#160;&#160;The Bank utilizes valuation techniques that maximize the use of observable inputs and minimize the use of unobservable inputs.&#160;&#160;Based on the observability of the inputs used in the valuation techniques, the Bank is required to provide the following information according to the fair value hierarchy.&#160;&#160;The fair value hierarchy ranks the quality and reliability of the information used to determine fair values.&#160;&#160;Financial assets and liabilities carried at fair value will be classified and disclosed in one of the following three categories:</div>

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<td style="WIDTH: 36pt; TEXT-ALIGN: center">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Symbol, serif; TEXT-ALIGN: center">&#183;</div>
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<td>
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Level 1 - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.</div>
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<div>
<table id="z28dd6e0ea3314509a48813649a3e484b" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Symbol, serif; TEXT-ALIGN: center">&#183;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly.&#160;&#160;These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.</div>
</td>
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</table>
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<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
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<div>
<table id="z87096868b711460f928c3c519de2544d" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr valign="top">
<td style="WIDTH: 36pt; TEXT-ALIGN: center">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Symbol, serif; TEXT-ALIGN: center">&#183;</div>
</td>
<td>
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Level 3 - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity&#8217;s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.</div>
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<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Financial assets and financial liabilities measured at fair value on a recurring basis include the following:</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Securities available-for-sale: The Bank&#8217;s securities available-for-sale are reported at fair value utilizing Level 2 inputs.&#160;&#160;For these securities, the Bank obtains fair value measurements from an independent pricing service.&#160;&#160;The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, credit information, and the bond&#8217;s terms and conditions, among other things.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Interest rate swap liability: The fair value of the interest rate swap was provided by the issuing entity using pricing models that use market observable inputs, therefore, it is valued using Level&#160;2 inputs.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Fair value at March 31, 2016 and December 31,&#160;2015, for assets and liabilities measured on a recurring basis is as follows (in thousands of dollars):</div>

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<div>&#160;</div>

<div><br>
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">14</font></div>

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<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
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<div>
<table id="z063eb16bcfad4210bee12eab08fa822c" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 24%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 12%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Quoted Market Price in</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Active Markets</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(Level 1)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="bottom">&#160; </td>
<td style="WIDTH: 12%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Other</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Observable</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Inputs</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(Level 2)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="WIDTH: 14%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unobservable</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Inputs</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(Level 3)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 24%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">March 31, 2016</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="top">&#160; </td>
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</tr>

<tr>
<td style="WIDTH: 24%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Securities available-for-sale</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 2%; FONT-WEIGHT: normal" valign="bottom" colspan="2" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 10%; FONT-WEIGHT: normal" valign="bottom" align="right">
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 3%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">201,888</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%; FONT-WEIGHT: normal" valign="bottom">&#160; </td>
<td style="WIDTH: 4%; FONT-WEIGHT: normal" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 10%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 24%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Interest rate swap liability</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom" colspan="2">&#160; </td>
<td style="WIDTH: 10%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="WIDTH: 9%; FONT-WEIGHT: normal" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">520</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%; FONT-WEIGHT: bold" valign="bottom">&#160; </td>
<td style="WIDTH: 10%; FONT-WEIGHT: bold" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom"><font style="FONT-WEIGHT: bold">&#160;</font> </td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table id="z70390de703264b91a9a33530495e24d4" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 24%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 12%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Quoted Market Price in</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Active Markets</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(Level 1)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="bottom">&#160; </td>
<td style="WIDTH: 12%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Other</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Observable</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Inputs</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(Level 2)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="WIDTH: 14%; BORDER-BOTTOM: black 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Unobservable</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Inputs</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">(Level 3)</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 24%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">December 31, 2015</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 10%" valign="top">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="top">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 24%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Securities available-for-sale</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="WIDTH: 2%" valign="bottom" colspan="2" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 10%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="bottom">&#160; </td>
<td style="WIDTH: 3%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 9%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">209,214</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="WIDTH: 4%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">$</div>
</td>
<td style="WIDTH: 10%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>

<tr>
<td style="WIDTH: 24%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Interest rate swap liability</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom" colspan="2">&#160; </td>
<td style="WIDTH: 10%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 3%" valign="bottom">&#160; </td>
<td style="WIDTH: 9%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">557</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 2%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 4%" valign="bottom">&#160; </td>
<td style="WIDTH: 10%" valign="bottom" align="right">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160; </td>
</tr>
</table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">FASB authoritative guidance on disclosures about fair values of financial instruments requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis or nonrecurring basis.&#160;&#160;The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value on a recurring basis are discussed above.&#160;&#160;The methodologies for estimating the fair value of other financial assets and financial liabilities are discussed below.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Cash and cash equivalents - The carrying amounts reported in the balance sheets for cash and cash equivalents approximate those assets&#8217; fair value.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Held-to-maturity securities - Fair values for held-to-maturity securities are based on quoted market prices, dealer quotes or a correspondent bank pricing system.&#160;&#160;The fair value of investment securities is the market value based on quoted market prices, when available, or market prices provided by recognized broker dealers.&#160;&#160;If listed prices or quotes are not available, fair value is based upon externally developed models that use unobservable inputs due to the limited market activity of the instrument.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Loans - For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.&#160;&#160;The fair value of fixed rate loans at March 31, 2016 and December 31, 2015, was estimated through discounted cash flow analyses using interest rates currently being offered for loans with similar terms and credit quality.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Accrued interest receivable - The carrying amount of accrued interest receivable approximates fair value.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The Company also retains off-balance sheet lines of credit and mortgage commitments as described in Note 12.&#160;&#160;The fair value of these instruments has not been estimated at&#160;March 31, 2016 and &#160;December&#160;31, 2015, for reasons of impracticability.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Deposits - The fair value for demand deposits (e.g. interest and noninterest bearing checking and savings accounts) are, by definition, equal to the amount payable on demand at the reporting date (the carrying value).&#160;&#160;Also, the carrying amount for variable rate fixed-term money market accounts and certificates of deposit approximates fair value.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">15</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The fair value of fixed rate certificates of deposit at March 31, 2016 and December 31, 2015, was estimated using a discounted cash flow approach that applies interest rates currently being offered on certificates to a schedule of weighted average expected maturities on time deposits.</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Securities sold under agreements to repurchase - The carrying amount of securities sold under agreements to repurchase approximates fair value.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Accrued interest payable - The carrying amount of accrued interest payable approximates fair&#160;value.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Overnight advance from Federal Home Loan Bank - The fair value of variable rate advances from the Federal Home Loan Bank are based upon carrying amounts.&#160;&#160;The fair value of fixed rate advances is estimated using discounted cash flow analyses based upon the Bank&#8217;s current incremental borrowing rates for similar types of borrowings.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Long-term debt - The fair value of variable rate debt is based upon the carrying amount which approximates fair value.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Junior subordinated debentures - The fair value of variable rate debentures is based upon the carrying amount, which approximates fair value.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The estimated fair value of the Bank&#8217;s financial instruments is as follows (in thousands of dollars):</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: left">
<table id="zf6da109d2ff24ab9b386a2f945825f4c" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="6">&#160; March 31, 2016</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="6">December 31, 2015</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">Carrying&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;Fair</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 80px; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;Carrying</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;Fair</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">Amount&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">Value&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 80px; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">&#160;Amount</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; BORDER-BOTTOM: black 2px solid; FONT-WEIGHT: bold; TEXT-ALIGN: center" valign="bottom" colspan="2">Value</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Assets:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 80px" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Cash and cash equivalents</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">28,656</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">238,656</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">6,154</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">6,154</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Investment securities</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt">Held-to-maturity</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,401</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">4,401</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">4,412</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">4,412</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt">Available-for-sale</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">201,888</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">201,888</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">210,963</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">209,214</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Loans, net of allowance</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">112,605</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">110,566</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">114,027</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">113,660</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Accrued interest receivable and other assets</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: bold; TEXT-ALIGN: right" valign="bottom">&#160;<font style="FONT-WEIGHT: normal">9,407</font></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">9,407</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">11,343</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">11,343</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 52%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -45pt">Li&#160;Liabilities:</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Deposits</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">332,051</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">319,514</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">316,969</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">$</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">301,107</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Securities sold under agreements to </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">repurchase</font></div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2,533</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">2,533</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">2,277</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">2,277</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrued interest payable, taxes and other </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">liabilities</font></div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">5,740</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">5,740</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">6,854</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">6,854</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Overnight advance from Federal Home </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loan Bank</font></div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#8212;</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">&#160;4,500</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">4,500</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Long-term debt</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11,695</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">11,695</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">11,781</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">11,781</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 52%" valign="bottom" align="left">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt">Junior subordinated debentures</div>
</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">8,248</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; FONT-WEIGHT: normal; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; FONT-WEIGHT: normal; TEXT-ALIGN: right" valign="bottom">8,248</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">8,248</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom" align="right">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">8,248</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 52%" valign="bottom">&#160; </td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 8.89%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1.11%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 9%; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
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<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The carrying amounts in the preceding table are included in the balance sheets under the applicable captions.&#160;&#160;The fair values of off-balance sheet financial instruments are not significant.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify; MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center; DISPLAY: block">16</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center; DISPLAY: block">&#160;</div>

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</div>

<div style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">&#160;</div>
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