<SEC-DOCUMENT>0001654954-18-004236.txt : 20180423
<SEC-HEADER>0001654954-18-004236.hdr.sgml : 20180423
<ACCEPTANCE-DATETIME>20180423090536
ACCESSION NUMBER:		0001654954-18-004236
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20180423
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180423
DATE AS OF CHANGE:		20180423

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PEOPLES BANCORP OF NORTH CAROLINA INC
		CENTRAL INDEX KEY:			0001093672
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				562132396
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27205
		FILM NUMBER:		18768041

	BUSINESS ADDRESS:	
		STREET 1:		518 WEST C STREET
		STREET 2:		PO BOX 467
		CITY:			NEWTON
		STATE:			NC
		ZIP:			28658-4007
		BUSINESS PHONE:		8284645620

	MAIL ADDRESS:	
		STREET 1:		PO BOX 467
		CITY:			NEWTON
		STATE:			NC
		ZIP:			28658-0467
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8kapril232018.htm
<DESCRIPTION>FORM 8K APRIL 23, 2018
<TEXT>
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UNITED STATES</font></div>
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SECURITIES AND EXCHANGE COMMISSION</font></div>
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Washington, D.C. 20549</font></div>
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FORM 8-K</font></div>
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CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D)</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
OF THE SECURITIES EXCHANGE ACT OF 1934</font></div>
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<font style="font-family: Times New Roman; font-size: 13px">Date of
Report (Date of earliest event
reported):&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0; <font style="font-weight: bold">April 23, 2018</font></font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">Peoples Bancorp of North
Carolina, Inc.</font></font></div>
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<font style="font-family: Times New Roman; font-size: 13px">(Exact
Name of Registrant as Specified in Its Charter)</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">North
Carolina</font></font></div>
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<font style="font-family: Times New Roman; font-size: 13px">(State
or Other Jurisdiction of Incorporation)</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">000-27205</font></font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">56-2132396</font></font></div>
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<font style="font-family: Times New Roman; font-size: 13px">(Commission
File No.)</font></div>
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<font style="font-family: Times New Roman; font-size: 13px">(IRS
Employer Identification No.)</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">518 West C Street, Newton,
North Carolina</font></font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">28658</font></font></div>
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<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">(Address
of Principal Executive Offices)</font></div>
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<font style="font-family: Times New Roman; font-size: 13px">(Zip
Code)</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">(828)
464-5620</font></font></div>
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<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">(Registrant&#x2019;s
Telephone Number, Including Area Code)</font></div>
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<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
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<font style="font-family: Times New Roman; font-size: 13px">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>
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<div style="text-align: left; margin-left: 0px; margin-right: 0px; text-indent: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Written
communications pursuant to Rule 425 under the Securities Act (17
CFR 230.425)</font></div>
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<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
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<div style="text-align: left; margin-left: 0px; margin-right: 0px; text-indent: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)</font></div>
</td>
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<div style="text-align: left; margin-left: 0px; margin-right: 0px; text-indent: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17
CFR 240.14d-2(b))</font></div>
</td>
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<td colspan="6" style="vertical-align: top; width: 100%;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
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<td style="vertical-align: top; width: 9%;">
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</td>
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<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;&#x2610;</font></div>
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<div style="text-align: left; margin-left: 0px; margin-right: 0px; text-indent: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17
CFR 240.13e-4(c))</font></div>
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<font style="font-family: Times New Roman; font-size: 13px">Peoples
Bancorp of North Carolina, Inc.</font></div>
</td>
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<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
<font style="text-decoration: underline">INDEX</font></font></div>
</td>
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<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</td>
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<td style="vertical-align: top; width: 78%">
<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</td>
<td style="vertical-align: top; width: 22%;">
<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px"><font style="text-decoration: underline">
Page</font></font></div>
</td>
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<td style="vertical-align: top; width: 78%">
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">Item
2.02 &#x2013; Results of Operations and Financial
Condition</font></div>
</td>
<td style="vertical-align: top; width: 22%">
<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">3</font></div>
</td>
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<td style="vertical-align: top; width: 78%">
<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</td>
<td style="vertical-align: top; width: 22%">
<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</td>
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<td style="vertical-align: top; width: 78%">
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">Item
9.01 &#x2013; Financial Statements and Exhibits</font></div>
</td>
<td style="vertical-align: top; width: 22%">
<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">3</font></div>
</td>
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<td style="vertical-align: top; width: 78%">
<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
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<td style="vertical-align: top; width: 22%">
<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</td>
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<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">Signatures</font></div>
</td>
<td style="vertical-align: top; width: 22%">
<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">4</font></div>
</td>
</tr><tr>
<td style="vertical-align: top; width: 78%">
<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</td>
<td style="vertical-align: top; width: 22%">
<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</td>
</tr><tr>
<td style="vertical-align: top; width: 78%">
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">Exhibit
(99)(a) Press Release dated April 23, 2018</font></div>
</td>
<td style="vertical-align: top; width: 22%">
<div style="text-align: center; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">5</font></div>
</td>
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</div>
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<font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
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&#xA0; <font style="font-family: Times New Roman; font-size: 13px"><br></font></div>
<br>
<div id="pn" style="text-align: center"><font style="font-family: Times New Roman; font-size: 13px">2</font></div>
</div>
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<font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
</div>
</div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
Item 2.02. Results of Operations and Financial
Condition</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 48px">
<font style="font-family: Times New Roman; font-size: 13px">On
April 23, 2018, Peoples Bancorp of North Carolina, Inc. issued a
press release announcing first quarter 2018 earnings
results.</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 48px">
<font style="font-family: Times New Roman; font-size: 13px">A copy
of the press release is attached hereto as Exhibit (99)(a) and is
incorporated by reference herein.</font></div>
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<font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
Item 9.01. Financial Statements and Exhibits</font></div>
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<div><font style="font-size: 13px">(d)<br></font></div>
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<div><font style="font-size: 13px">Exhibits<br></font></div>
</td>
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<div><font style="font-size: 13px"><a href="ex99-a.htm">(99)(a)</a><br></font></div>
</td>
<td style="width: 92%;">
<div><font style="font-size: 13px">Press Release dated April 23,
2018<br></font></div>
</td>
</tr></table>
</div>
<div style="text-align: left; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: left; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
Disclosure about forward-looking statements</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 48px">
<font style="font-family: Times New Roman; font-size: 13px">Statements made in
this Form 8-K, other than those concerning historical information,
should be considered forward-looking statements pursuant to the
safe harbor provisions of the Securities Exchange Act of 1934 and
the Private Securities Litigation Act of 1995. These
forward-looking statements involve risks and uncertainties and are
based on the beliefs and assumptions of management and on the
information available to management at the time that this report
was prepared. These statements can be identified by the use of
words like &#x201C;expect,&#x201D; &#x201C;anticipate,&#x201D;
&#x201C;estimate,&#x201D; and &#x201C;believe,&#x201D; variations of
these words and other similar expressions. Readers should not place
undue reliance on forward-looking statements as a number of
important factors could cause actual results to differ materially
from those in the forward-looking statements.<font style="font-weight: bold">&#xA0;</font>Factors that might cause such a
difference include, but are not limited to, changes in interest
rate environment, management&#x2019;s business strategy, national,
regional, and local market conditions and legislative and
regulatory conditions.</font></div>
<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 0px">
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<div style="text-align: justify; margin-left: 0px; margin-right: 0px; text-indent: 48px">
<font style="font-family: Times New Roman; font-size: 13px">The
Company undertakes no obligation to publicly revise these
forward-looking statements to reflect subsequent events or
circumstances. Readers should also carefully review the risk
factors described in other documents the Company files from time to
time with the Securities and Exchange Commission.</font></div>
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<font style="font-weight: bold; font-family: Times New Roman; font-size: 13px">
SIGNATURES</font></div>
</td>
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<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
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<font style="font-family: Times New Roman; font-size: 13px">Pursuant
to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.</font></div>
</td>
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<font style="color: #000000; font-family: Times New Roman; font-size: 13px">
PEOPLES BANCORP OF NORTH CAROLINA, INC.</font></div>
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<font style="color: #000000; font-family: Times New Roman; font-size: 13px">
Date: April 23, 2018</font></div>
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By:</font></div>
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<div style="text-align: left; margin-left: 0px; margin-right: 0px; text-indent: 0px">
<font style="color: #000000; font-family: Times New Roman; font-size: 13px">
/s/ A. Joseph Lampron, Jr.</font></div>
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<div><font style="font-family: Times New Roman; font-size: 13px">&#xA0;</font></div>
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<font style="color: #000000; font-family: Times New Roman; font-size: 13px">
A. Joseph Lampron, Jr.</font></div>
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<font style="color: #000000; font-family: Times New Roman; font-size: 13px">
Executive Vice President and Chief Financial Officer</font></div>
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<DOCUMENT>
<TYPE>EX-99.A
<SEQUENCE>2
<FILENAME>ex99-a.htm
<DESCRIPTION>EXHIBIT 99.A
<TEXT>
<html>
<head>
<!-- Document created using Blueprint(R) - powered by Issuer Direct - www.issuerdirect.com -->
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<title>Blueprint</title>
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<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
NEWS RELEASE</font></div>
<div style="text-align: center; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
April 23, 2018</font></div>
<div style="display: table;">
<div style="display: table-row;">
<div style="width: 96px; display: table-cell;"><font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
Contact:&#xA0;</font></div>
<div style="text-align: left; display: table-cell;"><font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
Lance A. Sellers</font></div>
</div>
</div>
<div style="text-align: left; text-indent: 96px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
President and Chief Executive Officer</font></div>
<div style="text-align: left; text-indent: 96px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
A. Joseph Lampron, Jr.</font></div>
<div style="text-align: left; text-indent: 96px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
Executive Vice President and Chief Financial Officer</font></div>
<div style="text-align: left; text-indent: 96px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
828-464-5620, Fax 828-465-6780</font></div>
<div style="text-align: justify; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
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<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold; text-decoration: underline;">
For Immediate Release</font></div>
<div style="text-align: justify; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
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<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold; text-decoration: underline;">
PEOPLES BANCORP ANNOUNCES FIRST QUARTER EARNINGS
RESULTS</font></div>
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Peoples Bancorp of
North Carolina, Inc. (NASDAQ: PEBK), the parent company of Peoples
Bank, reported first quarter earnings results with highlights as
follows:</font></div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px; font-style: italic; font-weight: bold;">
First quarter highlights:</font></div>
<div style="text-align: justify; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="margin-left: 48px; display: table;">
<div style="display: table-row;">
<div style="text-align: left; width: 24px; display: table-cell;">
<font style="font-family: Times New Roman; font-size: 13px;">&#x25CF;</font></div>
<div style="text-align: justify; text-indent: 0px; margin-right: 0px; margin-left: 0px; display: table-cell;">
<font style="font-family: Times New Roman; font-size: 13px;">Net
earnings were $3.3 million or $0.55 basic and diluted net earnings
per share for the three months ended March 31, 2018, as compared to
$2.2 million or $0.37 basic net earnings per share and $0.36
diluted net earnings per share for the same period one year
ago.</font></div>
</div>
</div>
<div style="margin-left: 48px; display: table;">
<div style="display: table-row;">
<div style="text-align: left; width: 24px; display: table-cell;">
<font style="font-size: 13px;">&#x25CF;</font></div>
<div style="text-align: justify; display: table-cell;"><font style="font-family: Times New Roman; font-size: 13px;">Total loans
increased $29.9 million to $765.8 million at March 31, 2018,
compared to $735.9 million at March 31, 2017.</font></div>
</div>
</div>
<div style="margin-left: 48px; display: table;">
<div style="display: table-row;">
<div style="text-align: left; width: 24px; display: table-cell;">
<font style="font-size: 13px;">&#x25CF;</font></div>
<div style="text-align: justify; display: table-cell;"><font style="font-family: Times New Roman; font-size: 13px;">Core deposits were
$889.0 million or 97.94% of total deposits at March 31, 2018,
compared to $883.4 million or 97.25% of total deposits at March 31,
2017.</font></div>
</div>
</div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Lance
A. Sellers, President and Chief Executive Officer, attributed the
increase in first quarter net earnings to an increase in net
interest income, an increase in non-interest income and a decrease
in non-interest expense, which were partially offset by an increase
in the provision for loan losses during the three months ended
March 31, 2018, as compared to the three months ended March 31,
2017, as discussed below.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Net
interest income was $10.3 million for the three months ended March
31, 2018, compared to $9.5 million for the three months ended March
31, 2017. The increase in net interest income was primarily due to
a $695,000 increase in interest income, which was primarily
attributable to an increase in the average outstanding balance of
loans and a 0.75% increase in the prime rate since March 31, 2017,
combined with a $131,000 decrease in interest expense, which was
primarily attributable to a decrease in the average outstanding
balances of FHLB borrowings during the three months ended March 31,
2018, as compared to the same period one year ago. Net interest
income after the provision for loan losses was $10.3 million for
the three months ended March 31, 2018, compared to $9.7 million for
the three months ended March 31, 2017. The provision for loan
losses for the three months ended March 31, 2018 was<font style="font-size: 13px;">&#xA0;</font>an expense of $31,000, as compared
to a credit of $236,000 for the three months ended March 31,
2017.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Non-interest
income was $3.7 million for the three months ended March 31, 2018,
compared to $3.4 million for the three months ended March 31, 2017.
The increase in non-interest income is primarily attributable to a
$421,000 increase in miscellaneous non-interest income, which was
partially offset by a $130,000 decrease in mortgage banking income
during the three months ended March 31, 2018, compared to the same
period one year ago. The increase in miscellaneous non-interest
income is primarily due to $6,000 in net gains on other real estate
owned properties for the three months ended March 31, 2018, as
compared to $283,000 in net losses and write-downs on other real
estate owned properties for the three months ended March 31,
2017.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Non-interest
expense was $10.0 million for the three months ended March 31,
2018, compared to $10.4 million for the three months ended March
31, 2017. The decrease in non-interest expense was primarily due to
a $272,000 decrease in salaries and benefits expense and a $316,000
decrease in<font style="font-size: 13px;">&#xA0;</font>other
non-interest expense, which were partially offset by a $243,000
increase in occupancy expense during the three months ended March
31, 2018, as compared to the three months ended March 31, 2017. The
decrease in salaries and benefits expense is primarily due to a
decrease in expense associated with restricted stock units issued
to officers. The decrease in other non-interest expense is
primarily due to reductions in<font style="font-size: 13px;">&#xA0;</font>expense associated with restricted
stock units issued to directors, debit card expense and
fraud/forgery expense. The increase in occupancy expense is
primarily due to an increase in depreciation and maintenance
expense.<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
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<div id="ftr">
<div style="text-align: left; width: 100%;"><font style="font-family: Times New Roman; font-size: 11px;">&#xA0;</font></div>
<div id="pn" style="text-align: center"><font style="font-family: Times New Roman; font-size: 13px">5</font></div>
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<div style="text-align: right; width: 100%;"><font style="font-family: Times New Roman; font-size: 11px;">&#xA0;</font></div>
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</div>
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Non-interest
income and non-interest expense for the three months ended March
31, 2018 and 2017 reflect the implementation of Financial
Accounting Standards Board Accounting Standards Update No. 2014-09,
(Topic 606): Revenue from Contracts with Customers, which was
effective for the Company&#x2019;s reporting periods beginning after
December 15, 2017. Appraisal management fee income and expense from
the Bank&#x2019;s subsidiary,<font style="font-size: 13px;">&#xA0;</font>Community Bank Real Estate
Solutions, LLC, was previously reported as a net amount, which was
included in miscellaneous non-interest income. This income and
expense is now reported on separate line items under non-interest
income and non-interest expense.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Income
tax expense was $652,000 for the three months ended March 31, 2018,
compared to $578,000 for the three months ended March 31, 2017. The
effective tax rate was 16% for the three months ended March 31,
2018, compared to 21% for the three months ended March 31, 2017.
The reduction in the effective tax rate was primarily due to the
passing of the Tax Cuts and Jobs Act in December, 2017, which
reduced the Company&#x2019;s federal corporate tax rate from 34% to
21% effective January 1, 2018.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Total
assets were $1.1 billion as of March 31, 2018 and 2017. Available
for sale securities were $213.3 million as of March 31, 2018,
compared to $244.9 million as of March 31, 2017. Total loans were
$765.8 million as of March 31, 2018, compared to $735.9 million as
of March 31, 2017.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Non-performing
assets were $3.7 million or 0.34% of total assets at March 31,
2018, compared to $3.6 million or 0.32% of total assets at March
31, 2017. Non-performing loans include $3.4 million in commercial
and residential mortgage loans, $130,000 in acquisition,
development and construction (&#x201C;AD&amp;C&#x201D;) loans and
$114,000 in other loans at March 31, 2018, as compared to $3.5
million in commercial and residential mortgage loans, $20,000 in
AD&amp;C loans and $28,000 in other loans at March 31,
2017.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">The
allowance for loan losses at March 31, 2018 was $6.4 million or
0.83% of total loans, compared to $7.3 million or 0.99% of total
loans at March 31, 2017. Management believes the current level of
the allowance for loan losses is adequate; however, there is no
assurance that additional adjustments to the allowance will not be
required because of changes in economic conditions, regulatory
requirements or other factors.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Deposits were
$907.6 million at March 31, 2018, compared to $908.4 million at
March 31, 2017. Core deposits, which include noninterest-bearing
demand deposits, NOW, MMDA, savings and non-brokered certificates
of deposit of denominations less than $250,000, increased $5.6
million to $889.0 million at March 31, 2018, as compared to $883.4
million at March 31, 2017. Certificates of deposit in amounts of
$250,000 or more totaled $17.9 million at March 31, 2018, as
compared to $24.3 million at March 31, 2017.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Securities sold
under agreements to repurchase were $38.3 million at March 31,
2018, as compared to $42.2 million at March 31, 2017.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Shareholders&#x2019;
equity was $116.5 million, or 10.65% of total assets, as of March
31, 2018, compared to $110.1 million, or 9.92% of total assets, as
of March 31, 2017.</font></div>
<div><font style="font-family: Times New Roman;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">Peoples Bank
operates 19 banking offices entirely in North Carolina, with
offices in Catawba, Alexander, Lincoln, Mecklenburg, Iredell and
Wake Counties. Peoples Bank also operates loan production offices
in Lincoln and Durham Counties. The Company&#x2019;s common stock is
publicly traded and is quoted on the Nasdaq Global Market under the
symbol &#x201C;PEBK.&#x201D;</font></div>
<div style="text-align: justify; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: justify; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px; font-weight: bold;">
Statements made in this press release, other than those concerning
historical information, should be considered forward-looking
statements pursuant to the safe harbor provisions of the Securities
Exchange Act of 1934 and the Private Securities Litigation Act of
1995. These forward-looking statements involve risks and
uncertainties and are based on the beliefs and assumptions of
management and on the information available to management at the
time that this release was prepared. These statements can be
identified by the use of words like &#x201C;expect,&#x201D;
&#x201C;anticipate,&#x201D; &#x201C;estimate,&#x201D; and
&#x201C;believe,&#x201D; variations of these words and other similar
expressions. Readers should not place undue reliance on
forward-looking statements as a number of important factors could
cause actual results to differ materially from those in the
forward-looking statements. Factors that could cause actual results
to differ include, but are not limited to, (1) competition in the
markets served by Peoples Bank, (2) changes in the interest rate
environment, (3) general national, regional or local economic
conditions may be less favorable than expected, resulting in, among
other things, a deterioration in credit quality and the possible
impairment of collectibility of loans, (4) legislative or
regulatory changes, including changes in accounting standards, (5)
significant changes in the federal and state legal and regulatory
environment and tax laws, (6) the impact of changes in monetary and
fiscal policies, laws, rules and regulations and (7) other risks
and factors identified in the Company&#x2019;s other filings with
the Securities and Exchange Commission, including but not limited
to those described in the Company&#x2019;s annual report on Form
10-K for the year ended December 31, 2017.</font></div>
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<div id="ftr">
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<div id="pn" style="text-align: center"><font style="font-family: Times New Roman; font-size: 13px">6</font></div>
</div>
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<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
CONSOLIDATED BALANCE SHEETS</font></div>
</td>
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<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
March 31, 2018, December 31, 2017 and March 31, 2017</font></div>
</td>
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<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
(Dollars in thousands)</font></div>
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<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
March 31, 2018</font></div>
</font><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
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December 31, 2017</font></div>
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March 31, 2017</font></div>
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<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-style: italic; font-weight: bold;">
&#xA0;(Unaudited)</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
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<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-style: italic;">
&#xA0;(Audited)</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
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&#xA0;(Unaudited)</font></div>
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<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
ASSETS:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
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</td>
<td style="width: 12%; vertical-align: bottom;">
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</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Cash and due from banks</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">32,849</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">53,186</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">55,491</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="padding-bottom: 2px;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Interest-bearing deposits</font></div>
</div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">34,985</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">4,118</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">31,959</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Cash and cash equivalents</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">67,834</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">57,304</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">87,450</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Investment securities available for sale</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">213,299</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">229,321</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">244,863</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Other investments</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">1,834</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">1,830</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">2,679</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total securities</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">215,133</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">231,151</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">247,542</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Mortgage loans held for sale</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">503</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">857</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">1,340</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Loans</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">765,824</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">759,764</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">735,861</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Less: Allowance for loan losses</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">(6,373</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">(6,366</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">(7,263</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">)</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Net loans</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">759,451</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">753,398</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">728,598</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Premises and equipment, net</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">19,732</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">19,911</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">18,597</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Cash surrender value of life insurance</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">15,647</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">15,552</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">15,251</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Accrued interest receivable and other assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">14,931</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">13,993</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">11,496</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 4px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">1,093,231</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">1,092,166</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">1,110,274</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
LIABILITIES AND SHAREHOLDERS' EQUITY:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Deposits:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Noninterest-bearing demand</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">294,998</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">285,406</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">275,369</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
NOW, MMDA &amp; savings</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">496,044</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">498,445</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">494,273</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Time, $250,000 or more</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">17,927</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">18,756</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">24,262</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Other time</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">98,655</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">104,345</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">114,510</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total deposits</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">907,624</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">906,952</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">908,414</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Securities sold under agreements to repurchase</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">38,257</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">37,757</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">42,163</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
FHLB borrowings</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">20,000</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Junior subordinated debentures</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">20,619</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">20,619</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">20,619</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Accrued interest payable and other liabilities</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">10,249</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">10,863</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">8,941</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total liabilities</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">976,749</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">976,191</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">1,000,137</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Shareholders' equity:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="2" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 12px;"><font style="text-align: left; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; vertical-align: bottom; display: inline-block;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Series A preferred stock, $1,000 stated value;
authorized</font></div>
</font><font style="text-align: left; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
5,000,000 shares; no shares issued and outstanding</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Common stock, no par value; authorized</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
20,000,000 shares; issued and outstanding</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
5,995,256 shares at 3/31/18 and 12/31/17,</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
5,437,740 shares at 3/31/17</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">62,096</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">62,096</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">44,745</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Retained earnings</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">52,806</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">50,286</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">61,801</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="padding-bottom: 2px;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Accumulated other comprehensive income</font></div>
</div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; padding-bottom: 2px;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; border-bottom: 2px solid rgb(0, 0, 0);">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; border-bottom: 2px solid rgb(0, 0, 0);">1,580</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; padding-bottom: 2px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; vertical-align: bottom; display: inline-block; padding-bottom: 2px;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; vertical-align: bottom; display: inline-block; border-bottom: 2px solid rgb(0, 0, 0);">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; vertical-align: bottom; display: inline-block; border-bottom: 2px solid rgb(0, 0, 0);">3,593</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; vertical-align: bottom; display: inline-block; padding-bottom: 2px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; padding-bottom: 2px;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; border-bottom: 2px solid rgb(0, 0, 0);">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; border-bottom: 2px solid rgb(0, 0, 0);">3,591</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times\ New\ Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block; padding-bottom: 2px;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total shareholders' equity</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">116,482</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">115,975</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">110,137</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 64%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 4px; margin-right: 0px; margin-left: 48px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total liabilities and shareholders' equity</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">1,093,231</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">1,092,166</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">1,110,274</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr></table>
</div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div id="pgbrk" style="width: 100%; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<div id="ftr">
<div style="text-align: center; width: 100%;"><font style="font-family: Times New Roman; font-size: 11px;">&#xA0;</font></div>
</div>
<div id="pb" style="text-align: center; width: 100%; height: 1px; margin-right: 0px; margin-bottom: 6px; margin-left: 0px; page-break-after: always; background-color: rgb(0, 0, 0);">
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<div id="hdr">
<div style="text-align: right; width: 100%;"><font style="font-family: Times New Roman; font-size: 11px;">&#xA0;</font></div>
</div>
</div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div>
<table cellpadding="0" cellspacing="0" style="width: 100%; font-family: inherit; font-size: inherit; margin-right: 0px; margin-left: 0px;">
<tr>
<td colspan="1" rowspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
CONSOLIDATED STATEMENTS OF INCOME</font></div>
</td>
<td rowspan="1" style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td rowspan="1" style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td colspan="2" style="width: 88%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
For the three months ended March 31, 2018 and 2017</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
(Dollars in thousands, except per share amounts)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="3" style="vertical-align: bottom;">
<div style="text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font><font>&#xA0;</font>
<font><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></font><font>&#xA0;</font>
<font>&#xA0;</font> <font><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></font><font>&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td colspan="2" style="width: 24%; vertical-align: bottom;">
<div><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 90%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
&#xA0;Three months ended</font></div>
</font><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td colspan="2" style="width: 24%; vertical-align: bottom;">
<div><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 90%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
&#xA0;March 31,</font></div>
</font><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="padding-bottom: 2px; margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
&#xA0;2018</font></div>
</font><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
&#xA0;2017</font></div>
</font><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-style: italic; font-weight: bold;">
&#xA0;(Unaudited)</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-style: italic;">
&#xA0;(Unaudited)</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
INTEREST INCOME:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Interest and fees on loans</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">9,069</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">8,280</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Interest on due from banks</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">45</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">30</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Interest on investment securities:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 60px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
U.S. Government sponsored enterprises</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">606</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">604</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 60px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
State and political subdivisions</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">996</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">1,084</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="padding-bottom: 2px; margin-left: 60px;"><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Other</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">43</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">66</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 84px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total interest income</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">10,759</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">10,064</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
INTEREST EXPENSE:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
NOW, MMDA &amp; savings deposits</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">176</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">132</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Time deposits</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">105</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">128</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
FHLB borrowings</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">192</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Junior subordinated debentures</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">171</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">135</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Other</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">15</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">11</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 60px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total interest expense</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">467</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">598</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
NET INTEREST INCOME</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">10,292</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">9,466</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
PROVISION FOR (REDUCTION OF PROVISION</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
FOR) LOAN LOSSES</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">31</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">(236</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">)</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
NET INTEREST INCOME AFTER</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
PROVISION FOR LOAN LOSSES</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">10,261</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">9,702</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
NON-INTEREST INCOME:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Service charges</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">1,024</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">1,106</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Other service charges and fees</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">180</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">155</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Mortgage banking income</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">216</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">346</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Insurance and brokerage commissions</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">182</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">168</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Appraisal management fee income</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">789</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">743</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Miscellaneous</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">1,345</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">924</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 60px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total non-interest income</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">3,736</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">3,442</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
NON-INTEREST EXPENSES:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Salaries and employee benefits</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">4,962</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">5,234</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Occupancy</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">1,856</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">1,613</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Appraisal management fee expense</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">592</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">566</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Other</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">2,632</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">2,948</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 60px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total non-interest expense</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">10,042</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">10,361</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
EARNINGS BEFORE INCOME TAXES</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">3,955</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">2,783</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
INCOME TAXES</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">652</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">578</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 4px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
NET EARNINGS</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">3,303</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">2,205</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
PER SHARE AMOUNTS*</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Basic net earnings</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.55</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.37</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Diluted net earnings</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.55</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.36</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Cash dividends</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.13</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.11</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Book value</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">19.43</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">18.41</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="3" style="width: 100%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
*Per share computations have been restated to reflect a 10% stock
dividend during the fourth quarter of 2017.</font></div>
</td>
</tr></table>
</div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div id="pgbrk" style="width: 100%; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<div id="ftr">
<div style="text-align: left; width: 100%;"><font style="font-family: Times New Roman; font-size: 11px;">&#xA0;</font></div>
</div>
<div id="pb" style="text-align: center; width: 100%; height: 1px; margin-right: 0px; margin-bottom: 6px; margin-left: 0px; page-break-after: always; background-color: rgb(0, 0, 0);">
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<div id="hdr">
<div style="text-align: right; width: 100%;"><font style="font-family: Times New Roman; font-size: 11px;">&#xA0;</font></div>
</div>
</div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div style="text-align: left; text-indent: 48px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
<div>
<table cellpadding="0" cellspacing="0" style="width: 100%; font-family: inherit; font-size: inherit; margin-right: 0px; margin-left: 0px;">
<tr>
<td colspan="1" rowspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
FINANCIAL HIGHLIGHTS</font></div>
</td>
<td rowspan="1" style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td rowspan="1" style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
For the three months ended March 31, 2018 and 2017</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
(Dollars in thousands)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="3" style="vertical-align: bottom;">
<div style="text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font><font>&#xA0;</font>
<font><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></font><font>&#xA0;</font>
<font>&#xA0;</font> <font><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></font><font>&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td colspan="2" style="width: 24%; vertical-align: bottom;">
<div><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 90%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
&#xA0;Three months ended</font></div>
</font><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td colspan="2" style="width: 24%; vertical-align: bottom;">
<div><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 90%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
&#xA0;March 31,</font></div>
</font><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="padding-bottom: 2px; margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
&#xA0;2018</font></div>
</font><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
&#xA0;2017</font></div>
</font><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-style: italic; font-weight: bold;">
&#xA0;(Unaudited)</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-style: italic;">
&#xA0;(Unaudited)</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
SELECTED AVERAGE BALANCES:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Available for sale securities</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">217,437</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">240,796</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Loans</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">765,670</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">729,475</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Earning assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">998,226</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">988,864</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">1,080,772</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">1,086,469</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Deposits</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">900,679</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">890,402</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Shareholders' equity</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">116,578</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">108,385</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
SELECTED KEY DATA:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Net interest margin (tax equivalent)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">4.29</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">4.11</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Return on average assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">1.24</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.82</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Return on average shareholders' equity</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">11.49</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">8.25</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Shareholders' equity to total assets (period end)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">10.65</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">9.92</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
ALLOWANCE FOR LOAN LOSSES:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Balance, beginning of period</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">6,366</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">7,550</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Provision for loan losses</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">31</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">(236</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">)</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Charge-offs</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">(106</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">(131</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">)</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Recoveries</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">82</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">80</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 4px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Balance, end of period</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">6,373</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">7,263</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
ASSET QUALITY:</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: left; width: 10%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Non-accrual loans</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">3,665</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">3,584</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
90 days past due and still accruing</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 2px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Other real estate owned</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">62</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">-</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 2px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; padding-bottom: 4px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Total non-performing assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">3,727</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">$</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 4px; border-bottom-style: double; display: inline-block;">3,584</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); padding-bottom: 4px; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Non-performing assets to total assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.34</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.32</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Allowance for loan losses to non-performing assets</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">171.00</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">202.65</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 12px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Allowance for loan losses to total loans</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.83</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.99</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr></table>
</div>
<div><font>&#xA0;</font></div>
<div>
<table cellpadding="0" cellspacing="0" style="width: 100%; font-family: inherit; font-size: inherit; margin-right: 0px; margin-left: 0px;">
<tr>
<td colspan="1" rowspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 0px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
LOAN RISK GRADE ANALYSIS:</font></div>
</td>
<td rowspan="1" style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td rowspan="1" style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; display: inline-block;">
<div><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</font><font style="text-align: left; width: 10%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td colspan="2" style="width: 24%; vertical-align: bottom;">
<div><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: center; width: 90%; vertical-align: bottom; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
Percentage of Loans</font></div>
</font><font style="text-align: left; width: 5%; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="padding-bottom: 2px; margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td colspan="2" style="width: 24%; vertical-align: bottom;">
<div><font style="text-align: left; width: 5%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: center; width: 90%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
By Risk Grade</font></div>
</font><font style="text-align: left; width: 5%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr>
<td style="width: 76%; vertical-align: bottom;">
<div style="padding-bottom: 2px; margin-left: 0px;"><font style="font-family: Times New Roman; font-size: 13px;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold;">
3/31/2018</font></div>
</font><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: center; width: 80%; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 2px; border-bottom-style: solid; display: inline-block;">
<div><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
3/31/2017</font></div>
</font><font style="text-align: left; width: 10%; padding-bottom: 2px; vertical-align: bottom; display: inline-block;">&#xA0;</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 1 (excellent quality)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.95</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">1.31</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 2 (high quality)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">26.20</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">25.52</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 3 (good quality)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">60.94</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">57.57</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 4 (management attention)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">8.33</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">11.09</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 5 (watch)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">2.31</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">3.14</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 6 (substandard)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.99</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">1.09</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(204, 238, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 7 (doubtful)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.00</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.00</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr><tr style="background-color: rgb(255, 255, 255);">
<td colspan="1" style="width: 76%; vertical-align: bottom;">
<div style="text-align: left; text-indent: 0px; margin-right: 0px; margin-left: 24px;">
<font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px;">
Risk Grade 8 (loss)</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">0.00</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-weight: bold; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
<td style="width: 12%; vertical-align: bottom;">
<div><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">
&#xA0;</font><font style="text-align: left; width: 5%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">&#xA0;</font><font style="text-align: right; width: 75%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">0.00</font><font style="text-align: left; width: 10%; color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;">%</font></div>
</td>
</tr></table>
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<font style="text-align: left; width: 94%; vertical-align: bottom; display: inline-block;"><font style="color: rgb(0, 0, 0); font-family: Times New Roman; font-size: 13px; font-style: italic;">
<br>
At March 31, 2018, including non-accrual loans, there were three
relationships exceeding $1.0 million in the Watch risk grade (which
totaled $5.1 million). There were no relationships exceeding $1.0
million in the Substandard&#xA0; risk grade.&#xA0;</font></font>
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</font><font style="text-align: left; width: 5%; font-family: Times New Roman; font-size: 13px; vertical-align: bottom; display: inline-block;"><br>

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