<SEC-DOCUMENT>0001171843-21-002280.txt : 20210402
<SEC-HEADER>0001171843-21-002280.hdr.sgml : 20210402
<ACCEPTANCE-DATETIME>20210402152427
ACCESSION NUMBER:		0001171843-21-002280
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210402
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210402
DATE AS OF CHANGE:		20210402

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PATRIOT NATIONAL BANCORP INC
		CENTRAL INDEX KEY:			0001098146
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				061559137
		STATE OF INCORPORATION:			CT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-29599
		FILM NUMBER:		21801824

	BUSINESS ADDRESS:	
		STREET 1:		900 BEDFORD ST
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06901
		BUSINESS PHONE:		2033247500
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<TYPE>8-K
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<FILENAME>f8k_040221.htm
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<TEXT>
<html><head><title></title></head><body style="font-size: 10pt"><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br /><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br /><strong>Washington, D.C. 20549</strong><br />_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br />_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--April 2, 2021-->April 2, 2021 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>PATRIOT NATIONAL BANCORP, INC.</strong></font><br /><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>Connecticut</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>000-29599</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>06-1559137</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. Employer Identification Number)</font></td></tr></table><p><font style="font-size: 10pt;">&#160;</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><font style="font-size: 10pt;"><strong>900 Bedford Street, Stamford, Connecticut 06901</strong><!----></font></td></tr><tr valign="top"><td align="center" width="50%"><font style="font-size: 10pt;">(Address of Principal Executive Offices) (Zip Code)</font></td></tr></table><p align="center"><font style="font-size: 10pt;"><strong>(203) 252-5900</strong><br />(Registrant's telephone number, including area code)</font></p><p align="center"><font style="font-size: 10pt;"><strong>Not Applicable</strong><br />(Former name or former address, if changed since last report)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3"><font style="font-size: 10pt;">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:<br /><br /></font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></td></tr></table><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &#167;230.405) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934 (17 CFR&#160;&#167;240.12b-2).&#160;Emerging growth company [&#160;&#160; ]</p><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 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 <p>On April 2, 2021, Patriot National Bancorp, Inc. (the "Company") issued a press release, a copy of which is attached hereto as Exhibit 99.1, regarding its earnings for the period ended December 31, 2020.</p>   <p>The information contained in this Current Report on Form 8-K (including the exhibit) is being furnished and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as otherwise expressly stated in such filing.</p> </font></p><p><font style="font-size: 10pt;"><strong>Section 9 Financial Statements and Exhibits</strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;">
 <p>(d) Exhibits.&#160;</p>  <table style="width:565; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="vertical-align: bottom ; "><font style="font-size:10pt;"><u>Exhibit No.</u></font></td><td class="hugin"><font style="font-size:10pt;">&#160;</font></td><td style="vertical-align: bottom ; "><font style="font-size:10pt;"><u>Description</u></font></td></tr><tr><td class="hugin">&#160;</td><td class="hugin"><font style="font-size:10pt;">&#160;</font></td><td class="hugin">&#160;</td></tr><tr><td class="hugin"><font style="font-size:10pt;"><font style="font-size:10pt;"><a href="exh_991.htm" rel="nofollow">99.1</a></font></font></td><td class="hugin"><font style="font-size:10pt;">&#160;</font></td><td class="hugin"><font style="font-size:10pt;"><font style="font-size:10pt;"><a href="exh_991.htm" rel="nofollow">Press Release of Patriot National Bancorp, Inc., dated April 2, 2021</a></font></font></td></tr></table></font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade" /><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURES</strong></font></p><p><font style="font-size: 10pt;">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></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>PATRIOT NATIONAL BANCORP, INC.</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: April 2, 2021</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ Joseph D. Perillo &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Joseph D. Perillo </font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Executive Vice President and Chief Financial Officer</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr></table><p /></body></html>
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<p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p>

<p style="text-align: center;"><font style="font-size: 14pt;"><strong>Patriot Reports 2020 Year end Results</strong></font></p>

<p style="text-align: center;"><strong></strong></p>

<p>

<p align="justify">STAMFORD, Conn., April 02, 2021 (GLOBE NEWSWIRE) -- Patriot National Bancorp, Inc. (&#8220;Patriot,&#8221; &#8220;Bancorp&#8221;
or the &#8220;Company&#8221;) (NASDAQ: PNBK), the parent company of Patriot Bank, N.A. (the &#8220;Bank&#8221;), today announced a net
loss of $1.4 million, or $0.35 basic and diluted loss per share for the quarter ended December 31, 2020, compared to a net loss of $87
thousand reported in the third quarter of 2020. The net loss for the year ended December 31, 2020 was $3.8 million, or $0.97 per fully
diluted share, as compared to a net loss of $2.8 million, or $0.72 per fully diluted shares in the fiscal year 2019. The Bank&#8217;s
loan loss provision on a year over year basis is down $2.8 million, or 56.3% to $2.2 million for the twelve months ended December 31,
2020.<br ></p>

<p align="justify">During the fourth quarter, Patriot recorded a $1.9 million charge associated with the establishment of a valuation
allowance on its deferred tax assets and charges relating to a previous acquisition in the amount of $834 thousand. The income tax provision
in the fourth quarter of 2020 was also impacted by a benefit for income taxes of $1.1 million due to reversal of an uncertain tax position.</p>

<p align="justify">During the COVID-19 pandemic, Patriot has kept all branches open while at the same time leveraging its non-contact
ATM&#8217;s and Live Banker ATMs. Patriot continues to optimize on-line banking services and expand customer call center staffing. The
investments to enhance the digital platform and the customer service experience have been well tested during 2020 and the global pandemic.
Patriot&#8217;s mobile deposits were up 124% and use of its mobile app banking was up 25%.</p>

<p align="justify">Throughout 2020 the Bank provided CARES Act payment relief on approximately $232.4 million of loans. A significant
percentage of the loans deferred as a result of the CARES Act have now resumed normal payments. The balance of loans remaining on deferral
in conjunction with the CARES Act had declined to $52.6 million at December 31, 2020 and subsequently declined to $37.8 million at March
30, 2021.</p>

<p><strong>Patriot President &amp; CEO Robert Russell stated</strong>: &#8220;The Bank is fortunate to have committed and dedicated employees
who are resilient and resourceful. The Bank, thanks to efforts of its staff, focused on service and process improvements throughout a
very challenging year. We continue to observe positive improvements related to loans previously on deferral, net interest margin and noninterest
expense. The leadership team continues to evaluate and upgrade its staff and processes as evidenced by its recent upgrade to its SBA staff.&#8221;
Mr. Russell added: &#8220;We believe the changes that have been implemented and a culture of accountability position the Bank for a strong
2021 and beyond. We remain focused on the delivery of excellent customer service with products that support our communities.&#8221;&#160;&#160;&#160;&#160;</p>

<p align="justify"><strong>Financial Results:</strong></p>

<p align="justify">As of December 31, 2020, total assets were $880.7 million compared to $979.8 million as of December 31, 2019. Net loans
totaled $719.6 million versus $802.0 million as of December 31, 2019. Total deposits were $685.7 million and $769.5 million at December
31, 2020 and 2019, respectively.</p>

<p align="justify">The change in loans and total assets represents the intentional resizing of the Bank&#8217;s balance sheet as the current
economic uncertainties associated with the COVID-19 pandemic are assessed. The Company continues to originate loans, but at a slower pace
than in the past, and has seen loan maturities and loan payoffs outpace loan originations during the year ended December 31, 2020.</p>

<p align="justify">The Bank remains focused on its cost of funds and funding sources. The overall decline in deposits of $83.9 million
was the result of a planned decline in higher cost brokered deposits of $188.6 million partially offset by an increase in core and prepaid
deposits in the amount of $104.7 million.</p>

<p align="justify">These balance sheet changes have significantly strengthened the Bank&#8217;s capital ratios and at the same time improved
its net interest margin. These foundational changes position Patriot for a return to profitability in 2021 as margins are expected to
continue to improve and the slowdown in business activity is expected to gradually rebound from the impact of the pandemic and return
to more normalized levels.</p>

<p align="justify">Year-to-date December 31, 2020 net interest income was $24.2&#160;million and declined $1.3 million, or 5.0% from year-to-date
December 31, 2019. Net interest income for the fourth quarters of 2020 and 2019 was unchanged at $6.2 million for the respective periods.
Net interest margin showed strong improvement as a lower cost of funds resulted in a 2.93% margin in the fourth quarter of 2020 compared
with 2.65% for the fourth quarter of 2019.</p>

<p align="justify">Compared to the prior year, net interest income was negatively impacted by a lower average loan balance, and an increase
in the rate paid on FHLB borrowings associated with the conversion of certain borrowings from a low variable teaser rate to higher fixed
rate. Overall, net interest income reflects the impact of lower market rates connected to the COVID-19 pandemic.</p>

<p align="justify">Patriot recorded a provision for loan losses of $2.2 million and $5.0 million for the years ended December 31, 2020
and 2019, respectively. The year over year decline represents a decline of 56% compared to the year-to-date December 31, 2019. The decrease
in provision for loan loss for the year ended 2020 was attributable to a reduced loan portfolio in 2020, stronger governance around credit
administration and oversight of nonperforming assets. In addition, the 2019 provision included the impact of a single commercial loan
charge-off as previously reported. &#160;&#160;</p>

<p align="justify">The Allowance for Loan Losses at December 31, 2020 totaled 1.45% of total loans compared with 1.25% at December 31,
2019. The increase in the Allowance as a percent of loans in 2020 compared to 2019, reflects additional provisions associated with the
estimated impact of the COVID-19 pandemic on the economy and local business community in 2020 and a slightly lower loan portfolio.</p>

<p align="justify">Noninterest income was $2.0 million and $2.5 million for the years ended December 31, 2020 and 2019, respectively representing
a decline of 20%. The decrease in noninterest income for the year-to-date period was due largely to reduced deposit fees and charges of
$171 thousand and lower levels of gains on sales of SBA loans of $325 thousand associated with delays in executing the sale of those loans
in 2020.</p>

<p align="justify">Noninterest expense for the year ended December 31, 2020 was $28.1 million versus $26.7 million representing an increase
of 5% from a year earlier. The increase was primarily due to higher project expenses and a non-cash intangible write-off aggregating $834
thousand relating to a prior period acquisition, and higher salaries and benefits costs.</p>

<p align="justify">The income tax benefit was $337 thousand for 2020 and reflects the establishment of a valuation allowance partially
offsetting a reversal of a prior tax reserve as noted previously. The tax benefit recorded in 2019 was $899 thousand.</p>

<p align="justify">As of December 31, 2020, shareholders&#8217; equity was $63.2 million, compared with $67.0 million at December 31,
2019. Patriot&#8217;s book value per share was $16.03 at December 31, 2020, compared with $17.04 at December 31, 2019. The Bank&#8217;s
capital ratios continue to be strong, maintaining its &#8220;well capitalized&#8221; regulatory status. As of December 31, 2020, the Bank&#8217;s
Tier 1 leverage ratio was 9.80%, Tier 1 risk-based capital ratio was 11.25% and total risk-based capital ratio was 12.50%.</p>

<p align="justify">Patriot Bank is headquartered in Stamford and operates 9 branch locations: in Scarsdale, NY&#894; and Darien, Fairfield,
Greenwich, Milford, Norwalk, Orange, Stamford, Westport, CT with Express Banking locations at Bridgeport/ Housatonic Community College,
downtown New Haven and Trumbull at Westfield Mall. The Bank also maintains SBA lending offices in Stamford, Connecticut, Florida, Georgia,
Ohio, along with a Rhode Island operations center.</p>

<p align="justify"><strong>About the Company:</strong><br >Founded in 1994, and now celebrating its 26th year, Patriot National Bancorp,
Inc. (&#8220;Patriot&#8221; or &#8220;Bancorp&#8221;) is the parent holding company of Patriot Bank N.A. (&#8220;Bank&#8221;), a nationally
chartered bank headquartered in Stamford, CT. Patriot operates with full service branches in Connecticut and New York and provides lending
products and services nationally. Patriot&#8217;s mission is to serve its local community and nationwide customer base by providing a
growing array of banking solutions to meet the needs of individuals and small businesses owners. Patriot places great value in the integrity
of its people and how it conducts business. An emphasis on building strong client relationships and community involvement are cornerstones
of our philosophy as we seek to maximize shareholder value.</p>

<p align="justify"><strong>&#8220;Safe Harbor&#8221; Statement Under Private Securities Litigation Reform Act of 1995:</strong><br >Certain
statements contained in Bancorp&#8217;s public statements, including this one, may be forward looking and subject to a variety of risks
and uncertainties. These factors include, but are not limited to: (1) changes in prevailing interest rates which would affect the interest
earned on the Company&#8217;s interest earning assets and the interest paid on its interest bearing liabilities; (2) the timing of re-pricing
of the Company&#8217;s interest earning assets and interest bearing liabilities; (3) the effect of changes in governmental monetary policy;
(4) the effect of changes in regulations applicable to the Company and the Bank and the conduct of its business; (5) changes in competition
among financial service companies, including possible further encroachment of non-banks on services traditionally provided by banks; (6)
the ability of competitors that are larger than the Company to provide products and services which it is impracticable for the Company
to provide; (7) the state of the economy and real estate values in the Company&#8217;s market areas, and the consequent effect on the
quality of the Company&#8217;s loans; (8) demand for loans and deposits in our market area; (9) recent governmental initiatives that are
expected to have a profound effect on the financial services industry and could dramatically change the competitive environment of the
Company; (10) other legislative or regulatory changes, including those related to residential mortgages, changes in accounting standards,
and Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;) premiums that may adversely affect the Company; (11) the application of
generally accepted accounting principles, consistently applied; (12) the fact that one period of reported results may not be indicative
of future periods; (13) the state of the economy in the greater New York metropolitan area and its particular effect on the Company's
customers, vendors and communities and other such factors, including risk factors, as may be described in the Company&#8217;s other filings
with the Securities and Exchange Commission (the &#8220;SEC&#8221;); (14) political, social, legal and economic instability, civil unrest,
war, catastrophic events, acts of terrorism; (15) widespread outbreaks of infectious diseases, including the ongoing novel coronavirus
(COVID-19) outbreak; (16) changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy
of the allowance for loan losses; (17) our ability to access cost-effective funding; (18) our ability to implement and change our business
strategies; (19) changes in the quality or composition of our loan or investment portfolios; (20) technological changes that may be more
difficult or expensive than expected; (21) our ability to manage market risk, credit risk and operational risk in the current economic
environment; (22) our ability to enter new markets successfully and capitalize on growth opportunities; (23) changes in consumer spending,
borrowing and savings habits; (24) our ability to retain key employees; and (25) our compensation expense associated with equity allocated
or awarded to our employees.</p>

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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><em>(In thousands)</em></td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>December
        31, <br >2020</strong></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>September
        30, <br >2020</strong></td>
    <td style="text-align: center ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>December
        31, <br >2019</strong></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="2" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Assets</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Cash and due from banks:</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Noninterest bearing deposits
        and cash</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,006</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,231</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,693</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest bearing deposits</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">31,630</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">46,405</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">36,711</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="max-width:9%; width:9%; min-width:9%;;vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:57%; width:57%; min-width:57%;;text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Total cash and cash
        equivalents</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">34,636</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">49,636</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">39,404</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Investment securities:</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Available-for-sale securities,
        at fair value</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">49,262</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">47,823</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">48,317</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Other investments, at cost</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,450</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,450</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,450</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Total investment securities</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">53,712</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">52,273</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">52,767</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Federal Reserve Bank stock, at cost</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,783</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,783</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,897</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Federal Home Loan Bank stock, at cost</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,503</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,503</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,477</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Gross loans receivable</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">730,180</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">751,298</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">812,164</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Allowance for loan losses</td>
    <td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(10,584</td>
    <td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: left ; vertical-align: middle; vertical-align: bottom ; "><u>)</u></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(11,171</td>
    <td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: left ; vertical-align: middle; vertical-align: bottom ; "><u>)</u></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(10,115</td>
    <td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: left ; vertical-align: middle; vertical-align: bottom ; "><u>)</u></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Net loans receivable</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">719,596</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">740,127</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">802,049</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">SBA loans held for sale</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,217</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6,824</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">15,282</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Accrued interest and dividends receivable</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6,620</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6,834</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,603</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Premises and equipment, net</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">33,423</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">33,632</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">34,568</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Other real estate owned</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,906</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,954</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,400</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Deferred tax asset, net</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">11,496</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">12,066</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">11,133</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Goodwill</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,107</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,107</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,107</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Core deposit intangible, net</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">343</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">567</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">623</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Other assets</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">9,387</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">10,623</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">9,526</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Total assets</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>$</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>
        880,729</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>$</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>
        922,929</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>$</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>
        979,836</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Liabilities</strong></td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Deposits:</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Noninterest bearing deposits</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">158,676</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">161,871</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">88,135</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Interest bearing deposits</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">526,980</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">565,560</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">681,400</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Total deposits</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">685,656</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">727,431</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">769,535</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Federal Home Loan Bank and correspondent bank
        borrowings</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">90,000</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">90,000</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">100,000</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Senior notes, net</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">11,927</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">11,909</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">11,853</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Subordinated debt, net</td>
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    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">9,782</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">9,774</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">9,752</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Junior subordinated debt owed to unconsolidated
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    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">8,110</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">8,108</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">8,102</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
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    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">994</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,044</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,193</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Advances from borrowers for taxes and insurance</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,786</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,492</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,681</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Accrued expenses and other liabilities</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">7,255</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">7,634</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">8,726</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Total liabilities</strong></td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>817,510</strong></td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>858,392</strong></td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>912,842</strong></td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Commitments and Contingencies</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Shareholders' equity</strong></td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Preferred stock</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Common stock</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">106,329</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">106,293</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">106,170</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Accumulated deficit</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(42,592</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(41,210</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(38,773</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; ">Accumulated other comprehensive loss</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(518</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(546</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(403</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Total shareholders' equity</strong></td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>63,219</strong></td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>64,537</strong></td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>66,994</strong></td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Total liabilities and shareholders' equity</strong></td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>$</strong></td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>
        880,729</strong></td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>$</strong></td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>
        922,929</strong></td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>$</strong></td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; "><strong>
        979,836</strong></td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  </table>

<p align="justify"><br ></p>

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<p style="text-align: justify"></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
  <tr>
    <td colspan="6" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>PATRIOT NATIONAL BANCORP, INC. AND SUBSIDIARIES</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="6" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>CONSOLIDATED STATEMENTS OF OPERATIONS
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="11" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>Three
        Months Ended</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="7" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>Year
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><em>(In thousands, except per share amounts)</em></td>
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        31, <br >2020</strong></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>September
        30, <br >2020</strong></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>December
        31, <br >2019</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>December
        31, <br >2020</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ; vertical-align: middle; vertical-align: bottom ; "><strong>December
        31, <br >2019</strong></td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Interest and Dividend Income</strong></td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest and fees on loans</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">8,113</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">8,578</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">10,223</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">35,835</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">40,568</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest on investment securities</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">326</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">340</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">460</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,460</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,667</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Dividends on investment
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    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">86</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">85</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">109</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">399</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">453</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Other interest income</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">22</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">28</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">161</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">209</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">956</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin" style="max-width:1%; width:1%; min-width:1%;">&#160;</td>
    <td class="hugin" style="max-width:1%; width:1%; min-width:1%;">&#160;</td>
    <td style="max-width:43%; width:43%; min-width:43%;;vertical-align: middle; text-align: left; padding-left: 30.0px; vertical-align: bottom ; "><strong>Total
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    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">8,547</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">9,031</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">10,953</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">37,903</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:8%; width:8%; min-width:8%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">43,644</td>
    <td style="max-width:1%; width:1%; min-width:1%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Interest Expense</strong></td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest on deposits</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,134</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,028</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,533</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">9,154</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">13,985</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest on Federal Home
        Loan Bank borrowings</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">708</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">628</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">708</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,671</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,175</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest on senior debt</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">229</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">229</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">229</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">915</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">915</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest on subordinated
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    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">235</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">235</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">273</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">991</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,118</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Interest on note payable
        and other</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">5</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">5</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">19</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">25</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: middle; text-align: left; padding-left: 30.0px; vertical-align: bottom ; "><strong>Total interest expense</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,310</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,125</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,748</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">13,750</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">18,218</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: middle; text-align: left; padding-left: 30.0px; vertical-align: bottom ; "><strong>Net interest income</strong></td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6,237</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">5,906</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6,205</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">24,153</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">25,426</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Provision for loan losses</strong></td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">371</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">85</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,769</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,170</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,971</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle; text-align: left; padding-left: 30.0px; vertical-align: bottom ; "><strong>Net interest income after provision
        for loan losses</strong></td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">5,866</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">5,821</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">4,436</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">21,983</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">20,455</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Non-interest Income</strong></td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Loan application, inspection
        and processing fees</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">76</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">54</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">39</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">223</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">113</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Deposit fees and service
        charges</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">68</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">73</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">126</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">321</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">492</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Gains on sale of loans</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">102</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">380</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">27</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">566</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">891</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Rental income</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">130</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">131</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">130</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">523</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">589</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Other income</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">89</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">66</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">86</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">346</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">398</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle; text-align: left; padding-left: 30.0px; vertical-align: bottom ; "><strong>Total non-interest income</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">465</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">704</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">408</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,979</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,483</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td colspan="3" style="text-align: left ; vertical-align: middle; vertical-align: bottom ; "><strong>Non-interest Expense</strong></td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Salaries and benefits</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,357</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,460</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,409</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">14,323</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">13,681</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Occupancy and equipment
        expenses</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">833</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">810</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">923</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,513</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,521</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Data processing expenses</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">377</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">433</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">375</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,571</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,463</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Professional and other outside
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    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">691</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">627</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">777</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,828</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">3,010</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Project expenses, net</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">664</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">188</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">818</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">465</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Advertising and promotional
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    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">77</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">107</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">125</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">454</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">380</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Loan administration and
        processing expenses</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">39</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">75</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">54</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">174</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">155</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Regulatory assessments</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">318</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">355</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">371</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,477</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">1,233</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Insurance expenses</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">70</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">67</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(24</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">285</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">136</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Communications, stationary
        and supplies</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">105</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">118</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">135</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">476</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">518</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20.0px; vertical-align: bottom ; ">Other operating expenses</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">708</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">560</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">466</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,199</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">2,092</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle; text-align: left; padding-left: 30.0px; vertical-align: bottom ; "><strong>Total non-interest expense</strong></td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">7,239</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6,618</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">6,799</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">28,118</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(908</td>
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(93</td>
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(1,955</td>
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(4,156</td>
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(3,716</td>
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    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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  <tr>
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    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">474</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(6</td>
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(443</td>
    <td style="padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(337</td>
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(899</td>
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    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(87</td>
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(1,512</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(3,819</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(2,817</td>
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    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle; text-align: left; padding-left: 30.0px; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">(0.02</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ; vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ; vertical-align: middle; vertical-align: bottom ; ">$</td>
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  <tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ; vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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<p align="justify"><br ></p>

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<p style="text-align: justify"></p>

<table style="width: 100%; border-collapse: collapse; border-collapse: collapse">
  <tr>
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    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="text-align: right; vertical-align: middle">&#160;</td>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="text-align: center; vertical-align: bottom">&#160;</td>
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  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="border-bottom: black 1pt solid; text-align: center; vertical-align: bottom"><strong>December
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="border-bottom: black 1pt solid; text-align: center; vertical-align: bottom"><strong>December
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  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: center; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: center; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: center; vertical-align: bottom">&#160;</td>
    <td style="text-align: center; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td></tr>
  <tr>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: center; vertical-align: bottom">&#160;</td>
    <td style="text-align: center; vertical-align: bottom">&#160;</td>
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  <tr>
    <td style="text-align: right; vertical-align: middle">&#160;</td>
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    <td style="text-align: right; vertical-align: middle">&#160;</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: center; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: center; vertical-align: bottom">&#160;</td>
    <td style="text-align: center; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
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  <tr>
    <td class="hugin" style="max-width: 1%; min-width: 1%">&#160;</td>
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    <td style="max-width: 1%; min-width: 1%; vertical-align: bottom">&#160;</td>
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    <td style="max-width: 1%; min-width: 1%; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
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    <td style="max-width: 1%; min-width: 1%; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="max-width: 8%; min-width: 8%; padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">(1,512</td>
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    <td style="max-width: 1%; min-width: 1%; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
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  <tr>
    <td class="hugin">&#160;</td>
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  <tr>
    <td class="hugin">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">-8.74</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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  <tr>
    <td class="hugin">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.93</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.61</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.65</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.68</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.40</td>
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  <tr>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">108.04</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">100.12</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">102.80</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">107.60</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">95.51</td>
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  <tr>
    <td class="hugin">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">100.03</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">99.95</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">104.59</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">93.84</td>
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  <tr>
    <td class="hugin">&#160;</td>
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    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">% increase loans</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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  <tr>
    <td class="hugin">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
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    <td colspan="3" style="text-align: center; vertical-align: bottom">&#160;</td>
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    <td style="text-align: center; vertical-align: bottom">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">20,005</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">20,440</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">18,049</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">20,005</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">18,049</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
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    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1,906</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1,954</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2,400</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1,906</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2,400</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="vertical-align: middle; text-align: left; padding-left: 20px; vertical-align: bottom">Total nonperforming assets</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">21,911</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">22,394</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">20,449</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">21,911</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">20,449</td>
    <td style="border-top: black 1pt solid; border-bottom: black 3pt double; padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">Nonaccrual loans / loans</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.74</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.72</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.22</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.74</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.22</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">Nonperforming assets / assets</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.49</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.43</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.09</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.49</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">2.09</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td></tr>
  <tr>
    <td class="hugin">&#160;</td>
    <td class="hugin">&#160;</td>
    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">Allowance for loan losses</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">10,584</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11,171</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">10,115</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">10,584</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">10,115</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">Valuation reserve</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">482</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">492</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1,258</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">482</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1,258</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: left; vertical-align: bottom">Allowance for loan losses with valuation reserve</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11,066</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11,663</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11,373</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11,066</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11,373</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">Allowance for loan losses / loans</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.45</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.49</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.25</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.45</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.25</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td></tr>
  <tr>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">52.91</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">54.65</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">56.04</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">52.91</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">56.04</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td></tr>
  <tr>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">Allowance for loan losses and valuation reserve
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    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.51</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">1.55</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">57.06</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">63.01</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">55.32</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">63.01</td>
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  <tr>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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  <tr>
    <td style="vertical-align: bottom">&#160;</td>
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  <tr>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">62</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">60</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
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    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
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    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
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  <tr>
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    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
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  <tr>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">16.39</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">17.04</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">16.03</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">$</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">17.04</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="2" style="text-align: left; vertical-align: middle; vertical-align: bottom">Shares outstanding</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">3,943,572</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">3,937,041</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">3,930,669</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">3,943,572</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">3,930,669</td>
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  <tr>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
  <tr>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">9.80</td>
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    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">9.35</td>
    <td style="padding-left: 0; text-align: left; vertical-align: middle; vertical-align: bottom">%</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">9.28</td>
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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">9.80</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">9.28</td>
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  <tr>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11.08</td>
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    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">10.64</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11.25</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">10.64</td>
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  <tr>
    <td style="vertical-align: bottom">&#160;</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
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    <td style="vertical-align: bottom">&#160;</td>
    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">12.33</td>
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    <td style="padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">&#160;</td>
    <td style="padding-left: 0; padding-right: 0; text-align: right; vertical-align: middle; vertical-align: bottom">11.83</td>
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<p style="margin: 0">&nbsp;</p>

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    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td style="vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
    <td style="text-align: right; vertical-align: bottom">&#160;</td>
    <td colspan="3" style="text-align: right; vertical-align: bottom">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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<p align="justify"><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
  <tr>
    <td style="max-width:25%; width:25%; min-width:25%;;text-align: left ; vertical-align: middle; "><strong>Contacts:</strong></td>
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    <td class="hugin" style="max-width:25%; width:25%; min-width:25%;">&#160;</td>
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  <tr>
    <td style="text-align: left ; vertical-align: middle; ">Patriot Bank, N.A.</td>
    <td style="text-align: left ; vertical-align: middle; ">Joseph Perillo</td>
    <td style="text-align: left ; vertical-align: middle; ">Robert Russell</td>
    <td style="text-align: left ; vertical-align: middle; ">Michael Carrazza</td></tr>
  <tr>
    <td style="text-align: left ; vertical-align: middle; ">900 Bedford Street</td>
    <td style="text-align: left ; vertical-align: middle; ">Chief Financial Officer</td>
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  <tr>
    <td style="text-align: left ; vertical-align: middle; ">Stamford, CT 06901</td>
    <td style="text-align: left ; vertical-align: middle; ">203-252-5954</td>
    <td style="text-align: left ; vertical-align: middle; ">203-252-5939</td>
    <td style="text-align: left ; vertical-align: middle; ">203-251-8230</td></tr>
  <tr>
    <td style="text-align: left ; vertical-align: middle; ">www.BankPatriot.com</td>
    <td style="text-align: left ; vertical-align: middle; ">&#160;</td>
    <td style="text-align: left ; vertical-align: middle; ">&#160;</td>
    <td class="hugin">&#160;</td></tr>
  </table></p>

<p ></p>

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