<SEC-DOCUMENT>0000894671-19-000006.txt : 20190129
<SEC-HEADER>0000894671-19-000006.hdr.sgml : 20190129
<ACCEPTANCE-DATETIME>20190129160508
ACCESSION NUMBER:		0000894671-19-000006
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190129
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190129
DATE AS OF CHANGE:		20190129

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OHIO VALLEY BANC CORP
		CENTRAL INDEX KEY:			0000894671
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				311359191
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20914
		FILM NUMBER:		19548753

	BUSINESS ADDRESS:	
		STREET 1:		420 THIRD AVE
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
		BUSINESS PHONE:		7404462631

	MAIL ADDRESS:	
		STREET 1:		420 THIRD AVENUE
		STREET 2:		PO BOX 240
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>sec8kearningsrels123118cover.htm
<DESCRIPTION>EARNINGS RELEASE 12/31/18
<TEXT>
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    <div style="text-align: center; font-family: TimesNewRomanPS,serif; font-size: 11pt;">UNITED STATES</div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">Washington, D.C.&#160; 20549</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif; font-weight: bold;">FORM 8-K</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif; font-weight: bold;">CURRENT REPORT </font></div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif; font-weight: bold;">Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;"><u>January 29, 2019</u></font></font></div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">Date of Report (Date of earliest event reported)</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;"><u>OHIO VALLEY BANC CORP.&#160; &#160;&#160; </u></font></font></div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">(Exact name of registrant as specified in its charter)</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;"><u>Ohio</u></font></font></div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">(State or other jurisdiction of incorporation)</font></div>
    <div style="font-size: 11pt;"><br>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;">0-20914</font></font></div>
          </td>
          <td style="width: 50%; vertical-align: top; border-bottom: 2px solid black; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;">31-1359191</font></font></div>
          </td>
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          <td style="width: 50%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">(Commission File Number)</font></div>
          </td>
          <td style="width: 50%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">(IRS Employer Identification No.)</font></div>
          </td>
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    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="zd03ddcff76a64ac18f7d36dc8d9f8bf7">

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          <td style="width: 50%; vertical-align: top; border-bottom: 2px solid black; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;">420 Third Avenue, Gallipolis, Ohio</font></font></div>
          </td>
          <td style="width: 50%; vertical-align: top; border-bottom: 2px solid black; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;">45631</font></font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">(Address of principal executive offices)</font></div>
          </td>
          <td style="width: 50%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">(Zip Code)</font></div>
          </td>
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    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">Registrant's telephone number, including area code:&#160; (740) 446-2631</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;"><u>Not Applicable</u></font></font></div>
    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">(Former name or former address, if changed since last report.)</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: left; text-indent: 36pt; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">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:</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 11pt;">&#9744;</font><font style="display: inline-block; text-indent: 0px; font-size: 11pt; width: 18pt;" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: &quot;Times New Roman&quot;,serif; font-size: 11pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 11pt;">&#9744;</font><font style="display: inline-block; text-indent: 0px; font-size: 11pt; width: 18pt;" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: &quot;Times New Roman&quot;,serif; font-size: 11pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 11pt;">&#9744;</font><font style="display: inline-block; text-indent: 0px; font-size: 11pt; width: 18pt;" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: &quot;Times New Roman&quot;,serif; font-size: 11pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 11pt;">&#9744;</font><font style="display: inline-block; text-indent: 0px; font-size: 11pt; width: 18pt;" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: &quot;Times New Roman&quot;,serif; font-size: 11pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; margin-right: 16.75pt; margin-bottom: 10.35pt; font-size: 11pt;"><font style="font-family: &quot;Times New Roman&quot;,serif; color: rgb(0, 0, 0);">Indicate by check mark whether the registrant is an emerging growth
        company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter). &#160; Emerging growth company&#160; &#9744;<font style="font-family: Webdings,serif;"></font></font></div>
    <div style="text-align: justify; margin-right: 16.75pt; margin-bottom: 10.35pt; font-size: 11pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;"><font style="font-family: &quot;Times New Roman&quot;,serif; color: rgb(0, 0, 0);">If an
          emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#160;
          &#9744;</font><font style="font-family: Webdings,serif; color: rgb(0, 0, 0);"></font></font></div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS,serif; font-weight: bold;">Section 2 &#8211; Financial Information</font></div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS,serif; font-weight: bold;">Item 2.02.&#160; Results of Operations and Financial Condition</font></div>
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    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; font-size: 11pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">On January 29, 2019, Ohio Valley Banc Corp. will issue a press release announcing financial results for its fourth quarter period ended
        December 31, 2018.&#160; A copy of the press release is furnished with this Form 8-K as Exhibit 99.1 and is incorporated herein by reference.</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
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            <div style="text-align: left;"><font style="font-family: &quot;Times New Roman&quot;,serif; font-weight: bold;">Section 9 &#8211; Financial Statements and Exhibits</font></div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS,serif; font-weight: bold;">Item 9.01.&#160; Financial Statements and Exhibits</font></div>
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    <div style="text-align: justify; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">(a)&#160; Not applicable</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">(b)&#160; Not applicable</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">(c)&#160; Not applicable</font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: justify; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">(d)&#160; Exhibits &#8211; The following exhibit is being filed with this Current Report on Form 8-K:</font></div>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">Exhibit Number</font></div>
          </td>
          <td style="width: 6.52%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">Description</font></div>
          </td>
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          <td style="width: 33.33%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 6.52%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top; font-size: 11pt;">&#160;</td>
        </tr>
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          <td style="width: 33.33%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">99.1</font></div>
          </td>
          <td style="width: 6.52%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS,serif;">Press release to be issued by Ohio Valley Banc Corp. on January 29,&#160; 2019.</font></div>
          </td>
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    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif; font-weight: bold;"><font style="font-family: TimesNewRomanPS,serif;"><u>SIGNATURES</u></font></font></div>
    <div style="font-size: 11pt;"><br>
    </div>
    <div style="text-align: left; text-indent: 36pt; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its
        behalf by the undersigned thereunto duly authorized.</font></div>
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          <td style="width: 7.53%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 42.45%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 7.34%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 42.68%; vertical-align: top;">
            <div style="text-align: left; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">OHIO VALLEY BANC CORP.</font></div>
            <div style="font-size: 11pt;">&#160;</div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS,serif;">Date:</font></div>
          </td>
          <td style="width: 42.45%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS,serif;">January 29, 2019</font></div>
          </td>
          <td style="width: 7.34%; vertical-align: top; font-size: 11pt;">
            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS,serif;">By:</font></div>
          </td>
          <td style="width: 42.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;">/s/Thomas E. Wiseman <br>
          </td>
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          <td style="width: 7.53%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 42.45%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 7.34%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 42.68%; vertical-align: top;">
            <div style="text-align: left; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">Thomas E. Wiseman</font></div>
            <div style="text-align: left; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;">President and Chief Executive Officer</font></div>
          </td>
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    <div style="text-align: center; font-size: 11pt;"><font style="font-family: TimesNewRomanPS,serif;"><font style="font-family: TimesNewRomanPS,serif;"><u>EXHIBIT INDEX</u></font></font></div>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">Exhibit Number</font></div>
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          <td style="width: 6.52%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 11pt;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">Description</font></div>
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          <td style="width: 33.33%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 6.52%; vertical-align: top; font-size: 11pt;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top; font-size: 11pt;">&#160;</td>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS,serif;">99.1</font></div>
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            <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS,serif;">Press release to be issued by Ohio Valley Banc Corp. on January 29,&#160; 2019.</font></div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sec8kearningsrels123118ex99.htm
<DESCRIPTION>EARNINGS RELEASE 12/31/18 EXHIBIT 99.1
<TEXT>
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    <div style="text-align: center; font-family: &quot;Times New Roman&quot;,serif; font-size: 16pt; font-style: italic; font-weight: bold;"> <font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><u><font style="font-weight:
            normal;">EXHIBIT 99.1</font></u></font></div>
    <div style="text-align: center; font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-style: italic; font-weight: bold;"><u><font style="font-weight: normal;"> <br>
        </font></u></div>
    <div style="text-align: left; font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-style: italic; font-weight: bold;">January 29, 2019 - For immediate release</div>
    <div style="text-align: left; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Contact:&#160; Scott Shockey, CFO (740) 446-2631</div>
    <div style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
    </div>
    <div style="text-align: center; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-weight: bold;">Ohio Valley Banc Corp. Reports 4th Quarter and Record Fiscal Year Earnings</font></div>
    <div style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
    </div>
    <div style="text-align: justify; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the &#8220;Company&#8221;) reported consolidated net income for the quarter ended December 31, 2019,
      of $3,856,000, an increase of $2,958,000 from the $898,000 earned for the fourth quarter of 2017.&#160;&#160; Earnings per share for the fourth quarter of 2018 were $.82 compared to $.19 for the prior year fourth quarter.&#160; For the year ended December 31, 2018,
      net income totaled $11,944,000, a 59.1 percent increase from net income of $7,509,000 for the year ended December 31, 2017.&#160; Earnings per share were $2.53 for 2018 versus $1.60 for 2017.&#160; Return on average assets and return on average equity were
      1.12 percent and 10.63 percent, respectively, for the year ended December 31, 2018, compared to .74 percent and 6.95 percent, respectively, for the same period in the prior year.</div>
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      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Thomas E. Wiseman, president and CEO of Ohio Valley Banc Corp., commented, &#8220;The last quarter of 2018 signaled growth for OVBC.&#160;
      Not only in commercial loans as you will see in our earnings release, but physical growth as well as we began construction on two new locations: OVB on the Square and OVB Bend Area Office.&#160; OVB on the Square is our project to reclaim one of the
      bank&#8217;s first locations and outfit it to become our new headquarters.&#160; The OVB Bend Area Office is a new branch location, estimated to open in the first half of 2019.&#160; We look forward to better serving the Meigs/Mason area with convenient drive-thru
      lanes and a modern, comfortable office.&#8221;</div>
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      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">For the fourth quarter of 2018, net interest income increased $284,000, and for the year ended December 31, 2018, net interest
      income increased $1,993,000, from the same respective periods last year.&#160; Positively impacting net interest income was the growth in earning assets.&#160; For the year ended December 31, 2018, average earning assets increased $51 million from the same
      period the prior year.&#160; The growth in average earning assets was primarily attributable to an increase in balances being maintained at the Federal Reserve and from the loan portfolio.&#160; The $30 million increase in average balances being maintained at
      the Federal Reserve was related to the growth in average deposits exceeding the growth in average loans, partially due to an increase in seasonal deposit balances associated with clearing tax refunds.&#160; This increase in average balance, when coupled
      with the 100 basis point increase in short-term interest rates since December 31, 2017, generated an additional $1,017,000 in year-to-date interest income.&#160; For the year ended December 31, 2018, average loans increased $21 million from the same
      period last year, led by growth within the commercial loan segment.&#160; For the year ended December 31, 2018, interest and fees on loans increased $2,183,000 from the same period last year.&#160; For the year ended December 31, 2018, the net interest margin
      was 4.43 percent, compared to 4.49 percent for the same period the prior year.&#160; The decrease in net interest margin was related to the higher balances maintained at the Federal Reserve, which diluted the net interest margin due to the yield on those
      balances being less than other earning assets, such as loans and securities.</div>
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      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">For the three months ended December 31, 2018, the provision for loan losses decreased $1,299,000, and for the year ended
      December 31, 2018, the provision for loan losses decreased $1,525,000, from the same respective periods in 2017.&#160; For the three months ended December 31, 2018, the negative provision for loan loss expense of $656,000 was primarily related to the
      improvement in certain economic risk factors contributing to lower general reserves.&#160; During the fourth quarter, the level of classified loans, or those loans demonstrating financial weakness, declined from the prior quarter due to the improvement in
      financial performance by certain loan relationships.&#160; In addition, our historical loss rates on loans, overall loan delinquency, and regional unemployment improved from the prior quarter.&#160; In association with these lower risk factors, the general
      reserves required for the allowance for loan losses decreased.&#160; For the year ended December 31, 2018, the provision for loan losses incurred of $1,039,000 was primarily related to year-to-date net loan charge-offs of $1,810,000, which was partially
      offset by lower general reserves in relation to the improved risk factors experienced in the fourth quarter.&#160; The ratio of nonperforming loans to total loans was 1.25 percent at December 31, 2018 compared to 1.36 percent at December 31, 2017.&#160; The
      allowance for loan losses was .87 percent of total loans at December 31, 2018, compared to .97 percent at December 31, 2017.</div>
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      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">For the three months ended December 31, 2018, noninterest income totaled $1,397,000, a decrease of $531,000 from the same period
      last year.&#160; Noninterest income totaled $8,938,000 for the year ended December 31, 2018, a decrease of $497,000 from the same period last year.&#160; Contributing to the decrease for the quarter and part of the year-to-date was the loss on sale of other
      real estate owned, which increased $539,000 for the quarter and increased $370,000 for the year.&#160; The primary contributor was the liquidation of one foreclosed property during the fourth quarter of 2018, which resulted in a loss on sale of $594,000.&#160;
      Further contributing to the year-to-date decrease was income on bank owned life insurance.&#160; In conjunction with various benefit plans for directors and key employees, the Company maintains an investment in bank owned life insurance.&#160; During 2017, the
      Company received life insurance proceeds of $514,000, which contributed to the $509,000 decrease in bank owned life insurance income for 2018.&#160; For the year ended December 31, 2018, tax refund processing fees totaled $1,579,000, a decrease of
      $113,000 from the same period the prior year.&#160; The decrease was related to the lower per item fee received by the Company under the contract with the third-party tax refund product provider.&#160; Partially offsetting the decreases above was the increase
      in interchange income earned from debit and credit transactions.&#160; For the year ended December 31, 2018, interchange income increased $286,000 from the same period last year in relation to the growth in number of cards issued and higher transaction
      volume.</div>
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      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">For the three months ended December 31, 2018, noninterest expense totaled $8,183,000, an increase of $47,000 from the same
      period last year.&#160; For the year ended December 31, 2018, noninterest expense totaled $37,426,000, an increase of $817,000, or 2.2 percent, from the same period last year.&#160; The Company&#8217;s largest noninterest expense, salaries and employee benefits,
      increased $130,000 as compared to the fourth quarter of 2017 and increased $1,382,000 as compared to the year ended December 31, 2017.&#160; The increase was primarily related to annual merit increases and higher health insurance expense.&#160; Partially
      offsetting the year-to-date increase above was lower expense associated with foreclosed assets and lower marketing expense, which decreased $261,000 and $257,000, respectively, from the year ended December 31, 2017.</div>
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      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">For the year ended December 31, 2018, income tax expense totaled $2,255,000, a decrease of $2,231,000 from the same period last
      year.&#160; As part of the Tax Cuts and Jobs Act, which was enacted on December 22, 2017, the Company&#8217;s statutory federal income tax rate was reduced from 34 percent to 21 percent resulting in lower tax expense.&#160; In addition, during the fourth quarter of
      2017, the Company recorded a one-time charge of $1,783,000 to revalue the Company&#8217;s net deferred tax asset in accordance with the tax rate change.</div>
    <div style="text-align: left; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> <font style="font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC.&#160; The holding company owns Ohio
      Valley Bank, with 19 offices in Ohio and West Virginia, and Loan Central, with six consumer finance offices in Ohio.&#160; Learn more about Ohio Valley Banc Corp. at <u>www.ovbc.com</u>.</div>
    <div style="text-align: left; text-indent: 36pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> <font style="font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
      </font></div>
    <div style="text-align: left; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-weight: bold;"><font style="background-color: rgb(255, 255, 255);">Caution Regarding Forward-Looking Information</font></font></div>
    <div style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
    </div>
    <div style="text-align: justify; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"><font style="background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,Times,serif;">Certain statements contained in this earnings release
        that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.&#160; Words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;appears,&#8221; &#8220;intends,&#8221; &#8220;targeted&#8221; and
        similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying those statements.&#160; Forward-looking statements involve risks and uncertainties.&#160; Actual results may differ materially from those
        predicted by the forward-looking statements because of various factors and possible events, including: (i) </font><font style="background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,Times,serif;">changes in political,
        economic or other factors, such as inflation rates, recessionary or expansive trends, taxes, the effects of implementation of federal legislation with respect to taxes and government spending and the continuing economic uncertainty in various parts
        of the world; (ii) competitive pressures;&#160; (iii) fluctuations in interest rates; (iv) the level of defaults and prepayment on loans made by the Company; (v) unanticipated litigation, claims, or assessments; (vi) fluctuations in the cost of
        obtaining funds to make loans; and (vii) regulatory changes.&#160; </font><font style="background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,Times,serif;">Forward-looking statements speak only as of the date on which they are
        made, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events.&#160; See Item 1.A. &#8220;Risk Factors&#8221; in the Company&#8217;s
        Annual Report on Form 10-K for the fiscal year ended December 31, 2017 and Part II. Item 1.A. &#8220;Risk Factors&#8221; in the Company&#8217;s Quarterly Report on Form 10-Q for the quarterly periods ended June 30, 2018 and September 30, 2018, for further discussion
        of the risks affecting the business of the Company and the value of an investment in its shares.</font></div>
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      </font></div>
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              <div style="text-align: left; color: rgb(0, 0, 0); font-weight: bold;">OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)</div>
            </td>
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              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">Three months ended</font></div>
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              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">Twelve months ended</font></div>
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              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">December 31,</font></div>
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              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">December 31,</font></div>
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              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);"> 2018</font></div>
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              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2017</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(204, 238, 255);" colspan="2">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2018</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2017</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
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              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">PER SHARE DATA</font></div>
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            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; background-color: rgb(255, 255, 255);" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; font-size: 10pt; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Earnings per share</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">0.82</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">0.19</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">2.53</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">1.60</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Dividends per share</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">0.21</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">0.21</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">0.84</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">0.84</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Book value per share</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">24.87</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">23.26</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">24.87</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">23.26</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Dividend payout ratio (a)</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
              &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>25.77</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
              Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
              &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>109.75</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
              Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
              &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>33.20</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
              Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
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              <div>52.36</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Weighted average shares outstanding</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">4,737,193</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">DIVIDEND REINVESTMENT (in 000's)</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Dividends reinvested under</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;employee stock ownership plan (b)</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">-</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">-</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">173</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">188</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Dividends reinvested under</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;dividend reinvestment plan (c)</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">321</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">372</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">1,379</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">PERFORMANCE RATIOS</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Return on average equity</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-style:
              normal; font-variant: normal; text-transform: none;" colspan="1">
              <div>13.39</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size:
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              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-style:
              normal; font-variant: normal; text-transform: none;" colspan="1">
              <div>3.22</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size:
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              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
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              <div>10.63</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
              Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
              &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>6.95</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Return on average assets</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-style:
              normal; font-variant: normal; text-transform: none;" colspan="1">
              <div>1.49</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size:
              10pt; font-style: normal; font-variant: normal; text-transform: none;" colspan="1">
              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-style:
              normal; font-variant: normal; text-transform: none;" colspan="1">
              <div>0.35</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size:
              10pt; font-style: normal; font-variant: normal; text-transform: none;" colspan="1">
              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
              &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>1.12</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
              Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
              &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>0.74</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0);
              font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Net interest margin (d)</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">4.50</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">%</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">4.47</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">%</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">4.43</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">%</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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              <div><font style="color: rgb(0, 0, 0);">%</font></div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Efficiency ratio (e)</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">%</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">%</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">%</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">70.48</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">%</font></div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Average earning assets (in 000's)</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">963,707</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">951,037</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">997,385</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">946,403</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: top; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="4">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">(a) Total dividends paid as a percentage of net income.</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">(b) Shares purchased from OVBC.</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
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              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">(c) Shares may be purchased from OVBC and on secondary market.</font></div>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="8">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">(d) Fully tax-equivalent net interest income as a percentage of average earning assets.</font></div>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">(e) Noninterest expense as a percentage of fully tax-equivalent net interest income plus noninterest income.</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">OHIO VALLEY BANC CORP - Consolidated Statements of Income (Unaudited)</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="6">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">Three months ended</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="6">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">Twelve months ended</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">(in $000's)</font></div>
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            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="6">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">December 31,</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="6">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">December 31,</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2018</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2017</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2018</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2017</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">Interest income:</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Interest and fees on loans</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">11,231</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">10,772</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">44,365</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">42,182</font></div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Interest and dividends on securities</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
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              <div>851</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt;
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
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              <div>768</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt;
              font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
              Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
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              <div>3,224</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt;
              font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times New
              Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family: &quot;Times
              New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; color: rgb(0, 0, 0); font-family:
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              <div>2,944</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt;
              font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(255, 0, 0);">&#160;&#160;&#160;&#160;<font style="background-color: rgb(204, 238, 255); font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;Interest on
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            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>287</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family:
              &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
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              <div>124</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family:
              &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
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              <div>1,608</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none; font-size: 10pt; font-family:
              &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;" colspan="1">
              <div>582</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;
              font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest income</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">12,369</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">11,664</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">49,197</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">45,708</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">Interest expense:</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Deposits</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">1,221</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">858</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">4,155</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">2,843</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Borrowings</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">277</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest expense</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">3,975</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">Net interest income</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">10,813</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">10,529</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">43,726</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">41,733</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">Provision for loan losses </font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">(656</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">)</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">643</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">1,039</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">2,564</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">Noninterest income:</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Service charges on deposit accounts</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">533</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">562</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">2,084</font></div>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">)</font></div>
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          <tr>
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              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Other</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">688</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">1,928</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">Noninterest expense:</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Salaries and employee benefits</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">5,411</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">5,281</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">22,191</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
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            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">418</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">1,770</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Furniture and equipment </font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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              <div><font style="color: rgb(0, 0, 0);">)</font></div>
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
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              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;FDIC insurance </font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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              <div><font style="color: rgb(0, 0, 0);">79</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">99</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">465</font></div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Data processing </font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">)</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">429</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">373</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">384</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">1,486</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">74</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">238</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">499</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Amortization of intangibles</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">135</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">156</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New
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              <div>1,146</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New
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              <div>429</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New
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              <div>5,197</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New
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              <div>5,468</div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total noninterest expense</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">8,183</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">8,136</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">37,426</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">36,609</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Income before income taxes</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">4,683</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">3,678</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">14,199</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">11,995</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Income taxes</font></div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">827</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
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            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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              <div><font style="color: rgb(0, 0, 0);">4,486</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 52%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
              <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">NET INCOME</font></div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">3,856</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">898</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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              <div><font style="color: rgb(0, 0, 0);">11,944</font></div>
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            <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
            <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
              <div><font style="color: rgb(0, 0, 0);">$</font></div>
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              <div><font style="color: rgb(0, 0, 0);">7,509</font></div>
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      </font></div>
    <div style="text-align: left;"><font style="font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;"><font style="background-color: rgb(255, 255, 255);"> <br>
        </font></font><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
      </font></div>
    <font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
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  <div><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
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        <tr>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="4">
            <div style="text-align: left; color: rgb(0, 0, 0); font-weight: bold;">OHIO VALLEY BANC CORP - Consolidated Balance Sheets (Unaudited)</div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">(in $000's, except share data)</font></div>
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          <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">
            <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">December 31,</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">
            <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">December 31,</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">
            <div style="text-align: center;"><font style="color: rgb(0, 0, 0);"> 2018</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">
            <div style="text-align: center;"><font style="color: rgb(0, 0, 0);">2017</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">ASSETS</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Cash and noninterest-bearing deposits with banks</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">13,806</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">12,664</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Interest-bearing deposits with banks</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">57,374</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">61,909</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Total cash and cash equivalents</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">71,180</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">74,573</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Certificates of deposit in financial institutions</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">2,065</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">1,820</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Securities available for sale </font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">102,164</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">101,125</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Securities held to maturity (estimated fair value:&#160; 2018 - $16,234; 2017 - $18,079)</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">15,816</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">17,581</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Restricted investments in bank stocks</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">7,506</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">7,506</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Total loans </font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">777,052</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">769,319</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;Less:&#160; Allowance for loan losses </font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">(6,728</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">)</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">(7,499</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">)</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Net loans</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">770,324</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">761,820</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Premises and equipment, net</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">14,855</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">13,281</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Other real estate owned</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">430</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">1,574</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Accrued interest receivable</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">2,638</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">2,503</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Goodwill</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">7,371</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">7,371</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Other intangible assets, net</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">379</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">514</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Bank owned life insurance and annuity assets</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">29,392</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">28,675</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Other assets</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">6,373</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">7,947</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total assets</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">1,030,493</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">1,026,290</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">LIABILITIES</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Noninterest-bearing deposits</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">237,821</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">253,655</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Interest-bearing deposits</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">608,883</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">603,069</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Total deposits</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">846,704</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">856,724</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Other borrowed funds </font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">39,713</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">35,949</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Subordinated debentures</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">8,500</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">8,500</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Accrued liabilities</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">17,702</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">15,756</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">912,619</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">916,929</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="font-weight: bold; color: rgb(0, 0, 0);">SHAREHOLDERS' EQUITY</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="4">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Common stock ($1.00 stated value per share, 10,000,000 shares authorized;</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;2018 - 5,400,065 shares issued; 2017 - 5,362,005 shares issued)</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">5,400</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">5,362</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Additional paid-in capital</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">49,477</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">47,895</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Retained earnings</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">80,844</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">72,694</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Accumulated other comprehensive loss</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">(2,135</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">)</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">(878</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">)</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">Treasury stock, at cost (659,739 shares)</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">(15,712</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">)</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">(15,712</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">)</font></div>
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        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total shareholders' equity</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">117,874</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">109,361</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div style="text-align: left;"><font style="color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities and shareholders' equity</font></div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
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            <div><font style="color: rgb(0, 0, 0);">1,030,493</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">
            <div><font style="color: rgb(0, 0, 0);">1,026,290</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;" colspan="1">&#160;</td>
        </tr>

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