<SEC-DOCUMENT>0001562762-23-000371.txt : 20231020
<SEC-HEADER>0001562762-23-000371.hdr.sgml : 20231020
<ACCEPTANCE-DATETIME>20231020160524
ACCESSION NUMBER:		0001562762-23-000371
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20231017
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20231020
DATE AS OF CHANGE:		20231020

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF THE JAMES FINANCIAL GROUP INC
		CENTRAL INDEX KEY:			0001275101
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				200500300
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35402
		FILM NUMBER:		231337197

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 1200
		CITY:			LYNCHBURG
		STATE:			VA
		ZIP:			24505
		BUSINESS PHONE:		4348462000
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
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<DESCRIPTION>8-K
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color: #000000;font-family: 'Times New Roman', 'serif';font-size: 18pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">SECURITIES AND EXCHANGE COMMISSION</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span id="_9kR3WTr3CB457eLownut094" style="text-decoration: none;"></span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Washington</span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">, D.C. 20549</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">_________________</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 18pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 18pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">FORM </span><ix:nonNumeric name="dei:DocumentType" id="ct-nonNumeric-df675f11-5402-4d24-83d8-05d3e367b6d1" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 18pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">8-K</span></ix:nonNumeric></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">_________________</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Current Report</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Pursuant to Section 13 or 15(d)</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">of The Securities Exchange Act of 1934</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Date of Report (Date of Earliest Event Reported): </span><ix:nonNumeric name="dei:DocumentPeriodEndDate" id="ct-nonNumeric-dd4151d3-c79a-4079-82c7-30aa790da5ac" contextRef="Duration_10_17_2023_To_10_17_2023" format="ixt:datemonthdayyearen"><span id="_9kR3WTr145458JE2wrBMOHIM" style="text-decoration: none;"></span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">October 17, 2023</span></ix:nonNumeric></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">_________________</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 22pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span id="_9kR3WTr123459Lany0w25rurv07909236215CJS" style="text-decoration: none;"></span><ix:nonNumeric name="dei:EntityRegistrantName" id="ct-nonNumeric-f62ca83c-fa8c-4a92-923e-c0132713b715" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 22pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">BANK OF THE JAMES FINANCIAL GROUP, INC</span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 22pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">.</span></ix:nonNumeric></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">(Exact Name of Registrant as Specified in Its Charter)</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">_________________</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:center"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: auto;margin-right: auto;width: 100%;"><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 40.0%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span id="_9kR3WTr3CB45AgSvumuvj" style="text-decoration: none;"></span><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="ct-nonNumeric-f48faf20-ad52-4e2c-9b16-ead10e16804f" contextRef="Duration_10_17_2023_To_10_17_2023" format="ixt-sec:stateprovnameen"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Virginia</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 21.7%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span id="_9kR3WTr4EC45BC8AEJLHG" style="text-decoration: none;"></span><ix:nonNumeric name="dei:EntityFileNumber" id="ct-nonNumeric-e1efd570-6708-4dcc-bcff-90b8cdd64805" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">001-35402</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 38.3%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span id="_9kR3WTr6EA45CFA9FGCGHF" style="text-decoration: none;"></span><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="ct-nonNumeric-e800dcc9-05af-4154-a6b6-9d1fbb27f55e" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">20-0500300</span></ix:nonNumeric></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 40.0%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(State or other jurisdiction of</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">incorporation or organization)</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 21.7%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(Commission File Number)</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 38.3%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(IRS Employer Identification No.)</span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 40.0%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 21.7%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 38.3%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 40.0%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="ct-nonNumeric-dba52a8c-fcb3-499e-bf12-a010e2b25a4b" contextRef="Duration_10_17_2023_To_10_17_2023"><span id="_9kR3WTr15645DMIJeEhvghDzn3llKzuu8PCrGoc" style="text-decoration: none;"></span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">828 Main Street</span></ix:nonNumeric><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">, </span><ix:nonNumeric name="dei:EntityAddressCityOrTown" id="ct-nonNumeric-dc04b708-9ab8-4915-9c90-68eae9ea999b" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Lynchburg</span></ix:nonNumeric><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">, </span><ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="ct-nonNumeric-5d88d9a6-85e8-451f-9e99-1edd6e37c19e" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">VA</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 21.7%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 38.3%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="ct-nonNumeric-0bb27740-13b6-4e57-8b5c-f6ae5130223b" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">24504</span></ix:nonNumeric></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 40.0%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(Address of Principal Executive Offices)</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 21.7%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 38.3%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(Zip code)</span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 40.0%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 21.7%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 38.3%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 40.0%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Registrant&#8217;s telephone number, including area code</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 21.7%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 38.3%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">(</span><ix:nonNumeric name="dei:CityAreaCode" id="ct-nonNumeric-20a15433-0201-4425-91c1-3f3145aac33d" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">434</span></ix:nonNumeric><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">) </span><ix:nonNumeric name="dei:LocalPhoneNumber" id="ct-nonNumeric-a3579b09-d219-4baf-a1e3-589c962674a5" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">846-2000</span></ix:nonNumeric></p></td></tr><tr style="height: 0.03in;"><td colspan="3" style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: middle;width: 100.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr></table></div><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 13.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">_________________</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">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:</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 6pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 6pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;width: 100%;"><tr style="height: 0.01in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><ix:nonNumeric name="dei:WrittenCommunications" id="ct-nonNumeric-2378a1c5-d783-457f-88b4-52402fa19286" contextRef="Duration_10_17_2023_To_10_17_2023" format="ixt-sec:boolballotbox"><span style="white-space:pre-wrap; font-family: Segoe UI Symbol;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#9744;</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></p></td></tr></table></div><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 6pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 6pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;width: 100%;"><tr style="height: 0.01in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><ix:nonNumeric name="dei:SolicitingMaterial" id="ct-nonNumeric-7aa1de61-061c-4dc5-bf82-f073fb2655d2" contextRef="Duration_10_17_2023_To_10_17_2023" format="ixt-sec:boolballotbox"><span style="white-space:pre-wrap; font-family: Segoe UI Symbol;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#9744;</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></p></td></tr></table></div><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 6pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 6pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;width: 100%;"><tr style="height: 0.01in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="ct-nonNumeric-f6cef96d-f661-46af-9dcc-857ce957b686" contextRef="Duration_10_17_2023_To_10_17_2023" format="ixt-sec:boolballotbox"><span style="white-space:pre-wrap; font-family: Segoe UI Symbol;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#9744;</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></p></td></tr></table></div><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 6pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 6pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;width: 100%;"><tr style="height: 0.01in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 4.0%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="ct-nonNumeric-ecc6e6c8-99ab-456c-a21e-b63091d12bbb" contextRef="Duration_10_17_2023_To_10_17_2023" format="ixt-sec:boolballotbox"><span style="white-space:pre-wrap; font-family: Segoe UI Symbol;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#9744;</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 518.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></p></td></tr></table></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Securities registered pursuant to Section 12(b) of the Act:</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:center"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: auto;margin-right: auto;width: 100%;"><tr style="height: 0.01in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: bottom;width: 240.55pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: bottom;width: 4.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: bottom;width: 60.5pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: bottom;width: 4.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: bottom;width: 230.15pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: solid #000000 1.0pt;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 240.55pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Title of Each Class</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 4.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: solid #000000 1.0pt;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 60.5pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Trading</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Symbol(s)</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 4.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: solid #000000 1.0pt;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 230.15pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Name of Each Exchange</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 8pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 8pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">on Which Registered</span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 240.55pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><ix:nonNumeric name="dei:Security12bTitle" id="ct-nonNumeric-a6271f83-0868-4d40-8454-5af7ab8a2388" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Common Stock, $2.14 par value</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 4.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 60.5pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="ct-nonNumeric-7caa0567-a837-48a7-b658-e72667a54670" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">BOTJ</span></ix:nonNumeric></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 4.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 230.15pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">The </span><ix:nonNumeric name="dei:SecurityExchangeName" id="ct-nonNumeric-5eb6791c-fea5-4957-8681-9cfb6d3c0735" contextRef="Duration_10_17_2023_To_10_17_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">NASDAQ</span></ix:nonNumeric><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;"> Capital Market</span></p></td></tr></table></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: Segoe UI Symbol;font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Emerging growth company </span><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="ct-nonNumeric-9ddee6c3-f360-4fac-a71b-296503e63d61" contextRef="Duration_10_17_2023_To_10_17_2023" format="ixt-sec:boolballotbox"><span style="white-space:pre-wrap; color: #000000;font-family: Segoe UI Symbol;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#9744;</span></ix:nonNumeric></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-align: right;"><span style="white-space:pre-wrap; color: #000000;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="white-space:pre-wrap; color: #000000;font-family: Segoe UI Symbol;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#9744;</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="border-bottom: solid #000000 1.0pt;border-left: none;border-right: none;border-top: none;padding-bottom: 0;"><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 13.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 13.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></div>
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    <div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: 12pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Item 2.02 - Results of Operations and Financial Condition</span></p><p dir="ltr" style="background: #FFFFFF;font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 0;text-indent: 0.50in;vertical-align: baseline;"><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">On </span><span id="_9kR3WTr14545EULvibxYK82xIMNNOS" style="text-decoration: none;"></span><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Friday, October 20, 2023</span><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">, Bank of the James Financial Group, Inc. (the &#8220;Company&#8221;) issued a press release announcing financial results for the three and nine months ended </span><span id="_9kR3WTr14545FcBnqh9HHHIM" style="text-decoration: none;"></span><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">September 30, 2023</span><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> (the &#8220;Press Release&#8221;). A copy of the Press Release is attached hereto as</span><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#160;</span><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Exhibit 99.1</span><span style="white-space:pre-wrap; color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: 12pt;margin-left: 0;margin-right: 0;margin-top: 12pt;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Item 8.01 &#8211; Other Events</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-indent: 0.50in;"><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">On </span><span id="_9kMHG5YVt36767ALG4ytDOQJKO" style="text-decoration: none;"></span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">October 17, 2023</span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">, the Board of Directors of the Company declared a </span><span id="_9kR3WTr145467x5qo8wv3B" style="text-decoration: none;"></span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">quarterly</span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> cash dividend of $0.08 per share of common stock. The dividend will be paid on or about </span><span id="_9kR3WTr145468RS3o3JLGHL" style="text-decoration: none;"></span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">December 8, 2023</span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">, to stockholders of record as of the close of business on </span><span id="_9kR3WTr145469SS3o4GFGK" style="text-decoration: none;"></span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">November 24, 2023</span><span style="white-space:pre-wrap; background: #FFFFFF;color: #333333;font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: 12pt;margin-left: 0;margin-right: 0;margin-top: 12pt;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Item 9.01 - Financial Statements and Exhibits</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: 12pt;margin-left: 0;margin-right: 0;margin-top: 0;text-indent: 0.50in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(a) Financial statements of businesses acquired &#8211; not applicable</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: 12pt;margin-left: 0;margin-right: 0;margin-top: 0;text-indent: 0.50in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(b) Pro forma financial information &#8211; not applicable</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: 12pt;margin-left: 0;margin-right: 0;margin-top: 0;text-indent: 0.50in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(c) Shell company transactions &#8211; not applicable</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-indent: 0.50in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">(d) Exhibits</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-indent: 0.50in;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;width: 100%;"><tr style="height: 0.03in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 14.4%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 85.6%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 14.4%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Exhibit No.</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 85.6%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Exhibit Description</span></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 14.4%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">99.1</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 85.6%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: justify;"><a href="botj-20231017xex99_1.htm"><span style="white-space:pre-wrap; color: #0563C1;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Bank of the James Financial Group, Inc. Press Release dated </span><span style="white-space:pre-wrap; color: #0563C1;font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">October 20, 2023</span></a></p></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 14.4%;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">104</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 85.6%;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: justify;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">The cover page from this Current Report on Form 8-K, formatted in Inline XBRL</span></p></td></tr></table></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;"><br />&#8206;</span><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></div>
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    <div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">SIGNATURE</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.50in;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">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.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;width: 100%;"><tr style="height: 0.04in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 99pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td colspan="2" style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 206.95pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 234.05pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td colspan="2" style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 126pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Date:  </span><span id="_9kMHG5YVt36768DNG4ytEIJJKO" style="text-decoration: none;"></span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">October 20, 2023</span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 179.95pt;"><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></h2></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 234.05pt;"><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span id="_9kMHG5YVt34567BNcp02y47twtx29B2B458437E" style="text-decoration: none;"></span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">BANK OF THE JAMES FINANCIAL GROUP, INC</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">.</span></h2></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 99pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td colspan="2" style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 206.95pt;"><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></h2></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 234.05pt;"><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></h2></td></tr><tr><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 99pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td colspan="2" style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 206.95pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 234.05pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; display: inline-block;text-indent: 0;width: 1.500in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">By </span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">/s/ J. Todd Scruggs</span></span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.20in;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">J. Todd Scruggs</span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.20in;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Secretary-Treasurer</span></p></td></tr></table></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></div>
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<TYPE>EX-99.1
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<FILENAME>botj-20231017xex99_1.htm
<DESCRIPTION>EX-99.1
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			Exhibit 991
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			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">Exhibit 99.1</font>
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			<font style="display: inline;font-family:Times New Roman;"><img src="botj-20231017xex99_1g001.jpg" style="width: 2.392638in; height: 0.8571741in" alt="BOTJ-FG-logo"></font><font style="display: inline;font-family:Times New Roman;font-weight:bold;"></font>
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			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">Bank of the James Announces </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">Third</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">Quarter</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">Nine Months </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">of </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">20</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">23</font>
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			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:14pt;">Financial Results and Declaration of Dividend</font>
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			<font style="display: inline;font-family:Times New Roman;font-style:italic;">Positive </font><font style="display: inline;font-family:Times New Roman;font-style:italic;">Earnings</font><font style="display: inline;font-family:Times New Roman;font-style:italic;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;font-style:italic;">Deposit Growth</font><font style="display: inline;font-family:Times New Roman;font-style:italic;">, Strong </font><font style="display: inline;font-family:Times New Roman;font-style:italic;">Asset Quality</font>
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			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">LYNCHBURG, VA, </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">October </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">20</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">, 202</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">3</font><font style="display: inline;font-family:Times New Roman;"> -- Bank of the James Financial Group, Inc. (the </font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><a name="_9kR3WTr19A45FSFwynmB"></a><font style="display: inline;font-family:Times New Roman;">Company</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">) (NASDAQ</font><a name="_9kR3WTr5DA45B"></a><font style="display: inline;font-family:Times New Roman;">:</font><font style="display: inline;font-family:Times New Roman;">BOTJ), the parent company of Bank of the James (the </font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><a name="_9kR3WTr24445DP0ju"></a><font style="display: inline;font-family:Times New Roman;">Bank</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">), a full-service commercial and retail bank, and Pettyjohn, Wood &amp; White, Inc. (</font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">PWW</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">), an SEC-registered investment advisor, today announced unaudited results of operations for the three </font><font style="display: inline;font-family:Times New Roman;">and </font><font style="display: inline;font-family:Times New Roman;">nine</font><font style="display: inline;font-family:Times New Roman;"> month </font><font style="display: inline;font-family:Times New Roman;">period</font><font style="display: inline;font-family:Times New Roman;">s</font><font style="display: inline;font-family:Times New Roman;"> ended </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30</font><font style="display: inline;font-family:Times New Roman;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;">202</font><font style="display: inline;font-family:Times New Roman;">3</font><font style="display: inline;font-family:Times New Roman;">.&nbsp;&nbsp;The Bank serves </font><a name="_9kR3WTr26645EgKglu0FGFG"></a><font style="display: inline;font-family:Times New Roman;">Region 2000</font><font style="display: inline;font-family:Times New Roman;"> (the greater Lynchburg MSA) and the Blacksburg, Charlottesville, Harrisonburg, Lexington, Roanoke,</font><font style="display: inline;font-family:Times New Roman;"> and Wytheville,</font><font style="display: inline;font-family:Times New Roman;"> Virginia markets.</font>
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			<font style="display: inline;font-family:Times New Roman;">Net income for the three months ended </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, 2023 </font><font style="display: inline;font-family:Times New Roman;">was </font><font style="display: inline;font-family:Times New Roman;">$2.</font><font style="display: inline;font-family:Times New Roman;">08</font><font style="display: inline;font-family:Times New Roman;"> million or $0.</font><font style="display: inline;font-family:Times New Roman;">4</font><font style="display: inline;font-family:Times New Roman;">6 per basic and diluted share compared with $2.</font><font style="display: inline;font-family:Times New Roman;">57</font><font style="display: inline;font-family:Times New Roman;"> million or $0.</font><font style="display: inline;font-family:Times New Roman;">55</font><font style="display: inline;font-family:Times New Roman;"> per basic and diluted share for the three months ended </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, 2022. Net income for the </font><font style="display: inline;font-family:Times New Roman;">nine</font><font style="display: inline;font-family:Times New Roman;"> months ended </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, 2023 was $</font><font style="display: inline;font-family:Times New Roman;">6.60</font><font style="display: inline;font-family:Times New Roman;"> million or $</font><font style="display: inline;font-family:Times New Roman;">1.44</font><font style="display: inline;font-family:Times New Roman;"> per basic and diluted share compared with $</font><font style="display: inline;font-family:Times New Roman;">7.01</font><font style="display: inline;font-family:Times New Roman;"> million or $</font><font style="display: inline;font-family:Times New Roman;">1.48</font><font style="display: inline;font-family:Times New Roman;"> per basic and diluted share for the </font><font style="display: inline;font-family:Times New Roman;">nine</font><font style="display: inline;font-family:Times New Roman;"> months ended </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, 2022.</font>
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		<p style="margin:0pt 0pt 12pt;line-height:100%;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Arial;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Robert R. Chapman III, CEO, commented: </font><a name="_9kR3WTr5B8458"></a><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">With a keen focus on financial strength, liquidity, and exceptional asset quality, our Company </font><font style="display: inline;font-family:Times New Roman;">generated </font><font style="display: inline;font-family:Times New Roman;">positive</font><font style="display: inline;font-family:Times New Roman;">, st</font><font style="display: inline;font-family:Times New Roman;">able</font><font style="display: inline;font-family:Times New Roman;"> financial and operational results. </font><font style="display: inline;font-family:Times New Roman;">Our year-to-date performance reflects many positives </font><font style="display: inline;font-family:Times New Roman;">during </font><font style="display: inline;font-family:Times New Roman;">a period when rising interest rates ha</font><font style="display: inline;font-family:Times New Roman;">ve</font><font style="display: inline;font-family:Times New Roman;">, understandably, slow</font><font style="display: inline;font-family:Times New Roman;">ed</font><font style="display: inline;font-family:Times New Roman;"> loan growth but ha</font><font style="display: inline;font-family:Times New Roman;">ve</font><font style="display: inline;font-family:Times New Roman;"> also created opportunities for us to demonstrate </font><font style="display: inline;font-family:Times New Roman;">the many benefits of being a Bank of the James client.</font>
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		<p style="margin:0pt 0pt 12pt;line-height:100%;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Arial;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">&#x201C;Skilled service from our banking </font><font style="display: inline;font-family:Times New Roman;">team and a wide</font><font style="display: inline;font-family:Times New Roman;"> range of reliable</font><font style="display: inline;font-family:Times New Roman;">, secure</font><font style="display: inline;font-family:Times New Roman;"> electronic and </font><font style="display: inline;font-family:Times New Roman;">W</font><font style="display: inline;font-family:Times New Roman;">eb-based banking products for commercial and retail customers</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">are backed by </font><font style="display: inline;font-family:Times New Roman;">an operating philosophy that emphasizes safety and financial strength</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">This </font><font style="display: inline;font-family:Times New Roman;">has contributed to high levels of customer retention</font><font style="display: inline;font-family:Times New Roman;"> in commercial real estate and commercial </font><font style="display: inline;font-family:Times New Roman;">and</font><font style="display: inline;font-family:Times New Roman;"> industrial banking</font><font style="display: inline;font-family:Times New Roman;">. Our </font><font style="display: inline;font-family:Times New Roman;">financial management </font><font style="display: inline;font-family:Times New Roman;">capabilities </font><font style="display: inline;font-family:Times New Roman;">extend beyond lending </font><font style="display: inline;font-family:Times New Roman;">and </font><font style="display: inline;font-family:Times New Roman;">continue to attract a growing base of commercial customers</font><font style="display: inline;font-family:Times New Roman;">. The ability to provide residential mortgage solutions has </font><font style="display: inline;font-family:Times New Roman;">allowed the Bank to capture additional market share </font><font style="display: inline;font-family:Times New Roman;">even in a</font><font style="display: inline;font-family:Times New Roman;"> rising rate environment</font><font style="display: inline;font-family:Times New Roman;">.</font>
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			<font style="display: inline;font-family:Times New Roman;">&#x201C;Operationally, we</font><font style="display: inline;font-family:Times New Roman;"> have maintained the improvements to productivity made during the past year, reflected in returns on average equity</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">and</font><font style="display: inline;font-family:Times New Roman;"> the</font><font style="display: inline;font-family:Times New Roman;"> efficiency</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">ratio. Growing deposits </font><font style="display: inline;font-family:Times New Roman;">ha</font><font style="display: inline;font-family:Times New Roman;">ve</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">enhanc</font><font style="display: inline;font-family:Times New Roman;">ed</font><font style="display: inline;font-family:Times New Roman;"> liquidity </font><font style="display: inline;font-family:Times New Roman;">and</font><font style="display: inline;font-family:Times New Roman;"> enabled </font><font style="display: inline;font-family:Times New Roman;">the Bank to </font><font style="display: inline;font-family:Times New Roman;">avoid </font><font style="display: inline;font-family:Times New Roman;">any </font><font style="display: inline;font-family:Times New Roman;">borrowings</font><font style="display: inline;font-family:Times New Roman;"> outside of deposits.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">This</font><font style="display: inline;font-family:Times New Roman;"> has</font><font style="display: inline;font-family:Times New Roman;"> help</font><font style="display: inline;font-family:Times New Roman;">ed to control our</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">cost of funds, </font><font style="display: inline;font-family:Times New Roman;">which has </font><font style="display: inline;font-family:Times New Roman;">enabl</font><font style="display: inline;font-family:Times New Roman;">ed</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">us to provide the best possible rates to customers while </font><font style="display: inline;font-family:Times New Roman;">maintaining </font><font style="display: inline;font-family:Times New Roman;">relatively </font><font style="display: inline;font-family:Times New Roman;">stable </font><font style="display: inline;font-family:Times New Roman;">margins.</font>
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			<font style="display: inline;font-family:Times New Roman;">&#x201C;I cannot emphasize enough the importance of maintaining asset and credit quality for our Company and our customers.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">D</font><font style="display: inline;font-family:Times New Roman;">iligent credit management and </font><font style="display: inline;font-family:Times New Roman;">a proactive approach with</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">customers ha</font><font style="display: inline;font-family:Times New Roman;">ve</font><font style="display: inline;font-family:Times New Roman;"> resulted</font><font style="display: inline;font-family:Times New Roman;">, as of </font><font style="display: inline;font-family:Times New Roman;">September</font><font style="display: inline;font-family:Times New Roman;"> 30, 2023,</font><font style="display: inline;font-family:Times New Roman;"> in having no other real estate owned (</font><a name="_9kR3WTr6FB467V4vt"></a><font style="display: inline;font-family:Times New Roman;">OREO</font><font style="display: inline;font-family:Times New Roman;">) and low levels of </font><font style="display: inline;font-family:Times New Roman;">nonperforming and watc</font><font style="display: inline;font-family:Times New Roman;">h-list</font><font style="display: inline;font-family:Times New Roman;"> loans.</font>
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			<font style="display: inline;font-family:Times New Roman;">&#x201C;As we approach the close of a very eventful year, we continue to focus on </font><font style="display: inline;font-family:Times New Roman;">risk management</font><font style="display: inline;font-family:Times New Roman;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;">servi</font><font style="display: inline;font-family:Times New Roman;">ng our customers</font><font style="display: inline;font-family:Times New Roman;">,</font><font style="display: inline;font-family:Times New Roman;"> and creating value for shareholders.&#x201D;</font>
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			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">Third </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">Quarter, </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">Nine Months </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">of 2023 </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">Highlights</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Total interest income</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">of $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">10.14</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million in the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">third </font><font style="display: inline;font-family:Times New Roman;color:#000000;">quarter </font><font style="display: inline;font-family:Times New Roman;color:#000000;">and </font><font style="display: inline;font-family:Times New Roman;color:#000000;">$</font><font style="display: inline;font-family:Times New Roman;color:#000000;">28.82</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million in the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine months</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> of 2023 increased 2</font><font style="display: inline;font-family:Times New Roman;color:#000000;">1</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% and 2</font><font style="display: inline;font-family:Times New Roman;color:#000000;">6</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% compared with the respective periods of 2022. The year-over-year growth primarily reflected </font><font style="display: inline;font-family:Times New Roman;color:#000000;">commercial loan </font><font style="display: inline;font-family:Times New Roman;color:#000000;">interest </font><font style="display: inline;font-family:Times New Roman;color:#000000;">rate</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> adjustments to keep pace with the rising interest rate environment</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> and</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">a higher yield on Fed </font><font style="display: inline;font-family:Times New Roman;color:#000000;">F</font><font style="display: inline;font-family:Times New Roman;color:#000000;">unds sold</font><font style="display: inline;font-family:Times New Roman;color:#000000;">.</font></p></td></tr></table></div>
		<div style="width:100%"><table style="width:100%; table-layout: fixed;" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;"><p style="width:18pt;font-size:0pt;"></p></td><td valign="top" align="left" style="width: 18.00pt;">
			<p style="line-height:100%;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Calibri;font-size: 11pt;margin:0pt;">
				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;border-bottom:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Net interest income </font><font style="display: inline;font-family:Times New Roman;color:#000000;">after </font><font style="display: inline;font-family:Times New Roman;color:#000000;">recovery of credit losses</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> was $7.53 million in the third quarter of 2023 compared with $8.20 million a year earlier. For the nine months of 2023, net interest income after </font><font style="display: inline;font-family:Times New Roman;color:#000000;">recovery of credit losses</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> increased to $22.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">6</font><font style="display: inline;font-family:Times New Roman;color:#000000;">3 million from $22.31 million for the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine months </font><font style="display: inline;font-family:Times New Roman;color:#000000;">of 202</font><font style="display: inline;font-family:Times New Roman;color:#000000;">2.</font></p></td></tr></table></div>
		<div style="width:100%"><table style="width:100%; table-layout: fixed;" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;"><p style="width:18pt;font-size:0pt;"></p></td><td valign="top" align="left" style="width: 18.00pt;">
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				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;border-bottom:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">N</font><font style="display: inline;font-family:Times New Roman;color:#000000;">et interest margin and net interest spread </font><font style="display: inline;font-family:Times New Roman;color:#000000;">improved </font><font style="display: inline;font-family:Times New Roman;color:#000000;">in the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">first nine months of </font><font style="display: inline;font-family:Times New Roman;color:#000000;">2023 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">compared with </font><font style="display: inline;font-family:Times New Roman;color:#000000;">the same period </font><font style="display: inline;font-family:Times New Roman;color:#000000;">a year earlier</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">primarily reflecting year-over-year growth in returns on total earning assets and loans</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">along with</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> a </font><font style="display: inline;font-family:Times New Roman;color:#000000;">slowing of margin compression.</font></p></td></tr></table></div>
		<div style="width:100%"><table style="width:100%; table-layout: fixed;" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;"><p style="width:18pt;font-size:0pt;"></p></td><td valign="top" align="left" style="width: 18.00pt;">
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				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;border-bottom:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Total noninterest income </font><font style="display: inline;font-family:Times New Roman;color:#000000;">was $3.20 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">million in the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">third </font><font style="display: inline;font-family:Times New Roman;color:#000000;">quarter of 2023</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> compared with $3.85 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">million a year earlier</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, and noninterest income for the nine months of 2023 was $9.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">69</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million compared with $10.52 million for the nine months of 2022. Both periods </font><font style="display: inline;font-family:Times New Roman;color:#000000;">were highlighted by solid income from </font><font style="display: inline;font-family:Times New Roman;color:#000000;">commercial treasury services </font><font style="display: inline;font-family:Times New Roman;color:#000000;">activity </font><font style="display: inline;font-family:Times New Roman;color:#000000;">and </font><font style="display: inline;font-family:Times New Roman;color:#000000;">continuing </font><font style="display: inline;font-family:Times New Roman;color:#000000;">strong </font><font style="display: inline;font-family:Times New Roman;color:#000000;">wealth management fee </font><font style="display: inline;font-family:Times New Roman;color:#000000;">contributions from </font><font style="display: inline;font-family:Times New Roman;color:#000000;">PWW</font><font style="display: inline;font-family:Times New Roman;color:#000000;">. Ga</font><font style="display: inline;font-family:Times New Roman;color:#000000;">ins on sale of residential mortgages </font><font style="display: inline;font-family:Times New Roman;color:#000000;">slowed </font><font style="display: inline;font-family:Times New Roman;color:#000000;">as</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> increased </font><font style="display: inline;font-family:Times New Roman;color:#000000;">interest</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> rates </font><font style="display: inline;font-family:Times New Roman;color:#000000;">made </font><font style="display: inline;font-family:Times New Roman;color:#000000;">mortgage borrowing less attractive</font><font style="display: inline;font-family:Times New Roman;color:#000000;">.</font></p></td></tr></table></div>
		<div style="width:100%"><table style="width:100%; table-layout: fixed;" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;"><p style="width:18pt;font-size:0pt;"></p></td><td valign="top" align="left" style="width: 18.00pt;">
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				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;border-bottom:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Loans, net of the allowance for </font><font style="display: inline;font-family:Times New Roman;color:#000000;">credit loss</font><font style="display: inline;font-family:Times New Roman;color:#000000;">es,</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">were $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">59</font><font style="display: inline;font-family:Times New Roman;color:#000000;">9</font><font style="display: inline;font-family:Times New Roman;color:#000000;">.60 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">million </font><font style="display: inline;font-family:Times New Roman;color:#000000;">at September 30, 2023 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">compared with </font><font style="display: inline;font-family:Times New Roman;color:#000000;">$</font><font style="display: inline;font-family:Times New Roman;color:#000000;">605.3</font><font style="display: inline;font-family:Times New Roman;color:#000000;">7</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million at </font><font style="display: inline;font-family:Times New Roman;color:#000000;">December 31, 202</font><font style="display: inline;font-family:Times New Roman;color:#000000;">2, </font><font style="display: inline;font-family:Times New Roman;color:#000000;">primarily reflecting rate-driven slowing of demand and the Company</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">s focus on loan quality.</font></p></td></tr></table></div>
		<div style="width:100%"><table style="width:100%; table-layout: fixed;" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;"><p style="width:18pt;font-size:0pt;"></p></td><td valign="top" align="left" style="width: 18.00pt;">
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				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;border-bottom:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Asset quality remained strong, </font><font style="display: inline;font-family:Times New Roman;color:#000000;">with a </font><font style="display: inline;font-family:Times New Roman;color:#000000;">ratio of nonperforming loans to total loans of 0.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">10</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% at </font><font style="display: inline;font-family:Times New Roman;color:#000000;">September </font><font style="display: inline;font-family:Times New Roman;color:#000000;">30, </font><font style="display: inline;font-family:Times New Roman;color:#000000;">2023 and </font><font style="display: inline;font-family:Times New Roman;color:#000000;">minimal l</font><font style="display: inline;font-family:Times New Roman;color:#000000;">evels of nonperforming loans and </font><font style="display: inline;font-family:Times New Roman;color:#000000;">no </font><a name="_9kMHG5YVt8HD689X6xv"></a><font style="display: inline;font-family:Times New Roman;color:#000000;">OREO</font><font style="display: inline;font-family:Times New Roman;color:#000000;">.</font></p></td></tr></table></div>
		<div style="width:100%"><table style="width:100%; table-layout: fixed;" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;"><p style="width:18pt;font-size:0pt;"></p></td><td valign="top" align="left" style="width: 18.00pt;">
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				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;border-bottom:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Total deposits </font><font style="display: inline;font-family:Times New Roman;color:#000000;">grew to $8</font><font style="display: inline;font-family:Times New Roman;color:#000000;">80.2</font><font style="display: inline;font-family:Times New Roman;color:#000000;">0</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million at </font><font style="display: inline;font-family:Times New Roman;color:#000000;">September </font><font style="display: inline;font-family:Times New Roman;color:#000000;">30, 2023 compared with $848.14 million at December 31, 2022.</font></p></td></tr></table></div>
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				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;border-bottom:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">On </font><font style="display: inline;font-family:Times New Roman;color:#000000;">October </font><font style="display: inline;font-family:Times New Roman;color:#000000;">17</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, 202</font><font style="display: inline;font-family:Times New Roman;color:#000000;">3</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> the Company</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">s board of directors approved a quarterly </font><font style="display: inline;font-family:Times New Roman;color:#000000;">dividend of </font><font style="display: inline;font-family:Times New Roman;color:#000000;">$0.0</font><font style="display: inline;font-family:Times New Roman;color:#000000;">8 &nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">per share </font><font style="display: inline;font-family:Times New Roman;color:#000000;">to stockholders of record </font><font style="display: inline;font-family:Times New Roman;color:#000000;">as of </font><font style="display: inline;font-family:Times New Roman;color:#000000;">November 24</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">2023 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">to be paid on</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">December 8</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, 202</font><font style="display: inline;font-family:Times New Roman;color:#000000;">3</font><font style="display: inline;font-family:Times New Roman;color:#000000;">.</font></p></td></tr></table></div>
		<div style="width:100%"><table style="width:100%; table-layout: fixed;" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;"><p style="width:18pt;font-size:0pt;"></p></td><td valign="top" align="left" style="width: 18.00pt;">
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				<font style="margin:0pt;font-family:Symbol;line-height:100%;border-top:1pt none #D9D9D9;font-size:11pt;;"> &#xB7;</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Measures of shareholder value </font><font style="display: inline;font-family:Times New Roman;color:#000000;">at September 30, 2023 reflected increased book value per share to $11.03 from </font><font style="display: inline;font-family:Times New Roman;color:#000000;">$10.85 at December 31</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, 2022</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, stable </font><font style="display: inline;font-family:Times New Roman;color:#000000;">total stockholders</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> equity</font><font style="display: inline;font-family:Times New Roman;color:#000000;">,</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">and increased retained earnings.</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> The Company</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">s most recent repurchase plan was completed in the second quarter of 2023. In conjunction with a previous repurchase plan, the Company</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> has</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> repurchased just under 4% of its outstanding common stock since August 2022.</font></p></td></tr></table></div>
		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;color:#000000;">&#xFEFF;</font>
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			<font style="display: inline;font-family:Times New Roman;font-weight:bold;color:#000000;">Third </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;color:#000000;">Quarter, </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;color:#000000;">Nine Months of </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;color:#000000;">202</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;color:#000000;">3</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;color:#000000;"> Operational Review</font>
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		<p style="margin:12pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;color:#000000;">Net interest income after</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> a $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">164</font><font style="display: inline;font-family:Times New Roman;color:#000000;">,000 recovery of credit losses </font><font style="display: inline;font-family:Times New Roman;color:#000000;">for the quarter ended </font><font style="display: inline;font-family:Times New Roman;color:#000000;">September </font><font style="display: inline;font-family:Times New Roman;color:#000000;">30, 2023 was $7.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">53</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million compared with net interest income after a $300,000 recovery of credit losses of $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">8.20</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million for the quarter ended </font><font style="display: inline;font-family:Times New Roman;color:#000000;">September </font><font style="display: inline;font-family:Times New Roman;color:#000000;">30, 2022. For the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine </font><font style="display: inline;font-family:Times New Roman;color:#000000;">months of 2023, net interest income after </font><font style="display: inline;font-family:Times New Roman;color:#000000;">a $278,000 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">recovery of credit losses was $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">22.63</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million compared with net interest income after </font><font style="display: inline;font-family:Times New Roman;color:#000000;">a $900,000 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">recover</font><font style="display: inline;font-family:Times New Roman;color:#000000;">y</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> of credit losses of $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">22.31 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">million</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> for the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> months of 2022</font><font style="display: inline;font-family:Times New Roman;color:#000000;">.</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">Total interest income </font><font style="display: inline;font-family:Times New Roman;color:#000000;">increased to $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">10.14</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">million in the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">third</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">quarter of 202</font><font style="display: inline;font-family:Times New Roman;color:#000000;">3</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> compared with $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">8.40</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">million a year earlier. </font><font style="display: inline;font-family:Times New Roman;color:#000000;">For the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> months of 2023, total interest income was $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">28.82</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> million compared with $</font><font style="display: inline;font-family:Times New Roman;color:#000000;">22.91 </font><font style="display: inline;font-family:Times New Roman;color:#000000;">million for the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> months of 2022. Both 2023 periods </font><font style="display: inline;font-family:Times New Roman;color:#000000;">reflected</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">moderate </font><font style="display: inline;font-family:Times New Roman;color:#000000;">loan </font><font style="display: inline;font-family:Times New Roman;color:#000000;">activity </font><font style="display: inline;font-family:Times New Roman;color:#000000;">and interest rate</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> increases</font><font style="display: inline;font-family:Times New Roman;color:#000000;">.</font>
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			<font style="display: inline;font-family:Times New Roman;color:#000000;">The </font><font style="display: inline;font-family:Times New Roman;color:#000000;">interest rate adjustment related to variable rate loans</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> along with an increase in the Fed </font><font style="display: inline;font-family:Times New Roman;color:#000000;">F</font><font style="display: inline;font-family:Times New Roman;color:#000000;">unds rate</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">continue</font><font style="display: inline;font-family:Times New Roman;color:#000000;">d</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> to have a </font><font style="display: inline;font-family:Times New Roman;color:#000000;">positive impact on</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> the yields earned on interest earning assets</font><font style="display: inline;font-family:Times New Roman;color:#000000;">. Management noted that </font><font style="display: inline;font-family:Times New Roman;color:#000000;">while </font><font style="display: inline;font-family:Times New Roman;color:#000000;">margin compression </font><font style="display: inline;font-family:Times New Roman;color:#000000;">continues to </font><font style="display: inline;font-family:Times New Roman;color:#000000;">have an impact, </font><font style="display: inline;font-family:Times New Roman;color:#000000;">it slowed moderately in the current quarter</font><font style="display: inline;font-family:Times New Roman;color:#000000;">. &nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">The </font><font style="display: inline;font-family:Times New Roman;color:#000000;">yield</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> on interest</font><font style="display: inline;font-family:Times New Roman;color:#000000;">-</font><font style="display: inline;font-family:Times New Roman;color:#000000;">earning assets </font><font style="display: inline;font-family:Times New Roman;color:#000000;">in </font><font style="display: inline;font-family:Times New Roman;color:#000000;">the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">third </font><font style="display: inline;font-family:Times New Roman;color:#000000;">quarter of 202</font><font style="display: inline;font-family:Times New Roman;color:#000000;">3</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> was </font><font style="display: inline;font-family:Times New Roman;color:#000000;">4.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">43%</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">compared with 3.64% </font><font style="display: inline;font-family:Times New Roman;color:#000000;">a year earlier</font><font style="display: inline;font-family:Times New Roman;color:#000000;">, while average loan yield increased to 5.13% from 4.37% in the prior year</font><font style="display: inline;font-family:Times New Roman;color:#000000;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">s third quarter</font><font style="display: inline;font-family:Times New Roman;color:#000000;">. &nbsp;</font><font style="display: inline;font-family:Times New Roman;color:#000000;">The interest spread was </font><font style="display: inline;font-family:Times New Roman;color:#000000;">2.94</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% compared with </font><font style="display: inline;font-family:Times New Roman;color:#000000;">3.3</font><font style="display: inline;font-family:Times New Roman;color:#000000;">8</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% a year earlier.</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> Net interest margin was 3.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">21</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% in the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">third</font><font style="display: inline;font-family:Times New Roman;color:#000000;"> quarter of 2023 compared with </font><font style="display: inline;font-family:Times New Roman;color:#000000;">3.42</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% in the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">third </font><font style="display: inline;font-family:Times New Roman;color:#000000;">quarter of 2022.</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;color:#000000;">For the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine </font><font style="display: inline;font-family:Times New Roman;color:#000000;">months of 2023, the yield on interest</font><font style="display: inline;font-family:Times New Roman;color:#000000;">-</font><font style="display: inline;font-family:Times New Roman;color:#000000;">earning assets was </font><font style="display: inline;font-family:Times New Roman;color:#000000;">4.30</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% compared with 3.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">30</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% for the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine </font><font style="display: inline;font-family:Times New Roman;color:#000000;">months of 2022. The interest spread was 3.</font><font style="display: inline;font-family:Times New Roman;color:#000000;">1</font><font style="display: inline;font-family:Times New Roman;color:#000000;">2% compared with </font><font style="display: inline;font-family:Times New Roman;color:#000000;">3.04</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% for the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine </font><font style="display: inline;font-family:Times New Roman;color:#000000;">months of 2023 and 2022, respectively. Net interest margin was </font><font style="display: inline;font-family:Times New Roman;color:#000000;">3.33</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% compared with </font><font style="display: inline;font-family:Times New Roman;color:#000000;">3.09</font><font style="display: inline;font-family:Times New Roman;color:#000000;">% for the </font><font style="display: inline;font-family:Times New Roman;color:#000000;">nine </font><font style="display: inline;font-family:Times New Roman;color:#000000;">months </font><font style="display: inline;font-family:Times New Roman;color:#000000;">of 2023 and 2022, respectively.</font>
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			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">2</font><font style="display: inline;font-family:Times New Roman;"></font>

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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;;font-size: 11pt"><font style="display: inline;font-family:Times New Roman;">Total interest expense in the </font><font style="display: inline;font-family:Times New Roman;">third </font><font style="display: inline;font-family:Times New Roman;">quarter and </font><font style="display: inline;font-family:Times New Roman;">nine months </font><font style="display: inline;font-family:Times New Roman;">of </font><font style="display: inline;font-family:Times New Roman;">2023 increased compared with the 2022 periods, r</font><font style="display: inline;font-family:Times New Roman;">eflecting increased </font><font style="display: inline;font-family:Times New Roman;">levels of interest-paying d</font><font style="display: inline;font-family:Times New Roman;">eposits and higher deposit rates commensurate with the prevailing interest rate environment</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">Total interest expense in the </font><font style="display: inline;font-family:Times New Roman;">third </font><font style="display: inline;font-family:Times New Roman;">quarter of 202</font><font style="display: inline;font-family:Times New Roman;">3</font><font style="display: inline;font-family:Times New Roman;"> was </font><font style="display: inline;font-family:Times New Roman;">$</font><font style="display: inline;font-family:Times New Roman;">2.</font><font style="display: inline;font-family:Times New Roman;">78</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">million compared with $4</font><font style="display: inline;font-family:Times New Roman;">99</font><font style="display: inline;font-family:Times New Roman;">,000 a year earlier, while total interest expense in the </font><font style="display: inline;font-family:Times New Roman;">nine months</font><font style="display: inline;font-family:Times New Roman;"> of 2023 was $</font><font style="display: inline;font-family:Times New Roman;">6.47</font><font style="display: inline;font-family:Times New Roman;"> million compared with $</font><font style="display: inline;font-family:Times New Roman;">1.50 million</font><font style="display: inline;font-family:Times New Roman;"> a year earlier.</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">J. Todd Scruggs, Executive Vice President and CFO</font><font style="display: inline;font-family:Times New Roman;">,</font><font style="display: inline;font-family:Times New Roman;"> commented: </font><a name="_9kMML5YVt7DA67A"></a><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">We saw some mitigation of margin compression in the past several months. Repricing commercial floating rate loans and </font><font style="display: inline;font-family:Times New Roman;">generating mortgage loans consistent with prevailing rates has allowed interest income to keep pace with rising interest expense. Although commercial and mortgage lending has slowed, we continue to make quality loans consistent with the current rate environment.&#x201D;</font>
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			<font style="display: inline;font-family:Times New Roman;">Noninterest </font><font style="display: inline;font-family:Times New Roman;">income </font><font style="display: inline;font-family:Times New Roman;">in the </font><font style="display: inline;font-family:Times New Roman;">third </font><font style="display: inline;font-family:Times New Roman;">quarter </font><font style="display: inline;font-family:Times New Roman;">of</font><font style="display: inline;font-family:Times New Roman;"> 202</font><font style="display: inline;font-family:Times New Roman;">3</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">was </font><font style="display: inline;font-family:Times New Roman;">$</font><font style="display: inline;font-family:Times New Roman;">3.</font><font style="display: inline;font-family:Times New Roman;">20 </font><font style="display: inline;font-family:Times New Roman;">million compared with $</font><font style="display: inline;font-family:Times New Roman;">3.85</font><font style="display: inline;font-family:Times New Roman;"> million in the </font><font style="display: inline;font-family:Times New Roman;">third</font><font style="display: inline;font-family:Times New Roman;"> quarter of 2022. For the </font><font style="display: inline;font-family:Times New Roman;">nine </font><font style="display: inline;font-family:Times New Roman;">months of 2023, noninterest income was $</font><font style="display: inline;font-family:Times New Roman;">9.</font><font style="display: inline;font-family:Times New Roman;">69</font><font style="display: inline;font-family:Times New Roman;"> million compared with $</font><font style="display: inline;font-family:Times New Roman;">10.52</font><font style="display: inline;font-family:Times New Roman;"> million</font><font style="display: inline;font-family:Times New Roman;"> a year earlier. </font><font style="display: inline;font-family:Times New Roman;">Noninterest income in both periods of 2023 </font><font style="display: inline;font-family:Times New Roman;">demonstrated income contributions from </font><font style="display: inline;font-family:Times New Roman;">debit card </font><font style="display: inline;font-family:Times New Roman;">activity </font><font style="display: inline;font-family:Times New Roman;">and </font><font style="display: inline;font-family:Times New Roman;">commercial</font><font style="display: inline;font-family:Times New Roman;"> treasury services </font><font style="display: inline;font-family:Times New Roman;">and </font><font style="display: inline;font-family:Times New Roman;">a strong $0.11 per share contribution to earnings </font><font style="display: inline;font-family:Times New Roman;">by </font><font style="display: inline;font-family:Times New Roman;">PWW</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s investment management activity.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">Year-over-year comparisons of noninterest income reflect </font><font style="display: inline;font-family:Times New Roman;">a decrease in gains on sale of loans</font><font style="display: inline;font-family:Times New Roman;"> as the Company </font><font style="display: inline;font-family:Times New Roman;">experienced</font><font style="display: inline;font-family:Times New Roman;"> a decrease in mortgage loan origination</font><font style="display: inline;font-family:Times New Roman;">s</font><font style="display: inline;font-family:Times New Roman;">.</font>
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			<font style="display: inline;font-family:Times New Roman;">Noninterest expense in the </font><font style="display: inline;font-family:Times New Roman;">third </font><font style="display: inline;font-family:Times New Roman;">quarter of 202</font><font style="display: inline;font-family:Times New Roman;">3</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">declined to </font><font style="display: inline;font-family:Times New Roman;">$</font><font style="display: inline;font-family:Times New Roman;">8.14</font><font style="display: inline;font-family:Times New Roman;"> million compared with $</font><font style="display: inline;font-family:Times New Roman;">8.</font><font style="display: inline;font-family:Times New Roman;">88</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">million </font><font style="display: inline;font-family:Times New Roman;">a year earlier. The </font><font style="display: inline;font-family:Times New Roman;">nine months of </font><font style="display: inline;font-family:Times New Roman;">2023 noninterest expense was $</font><font style="display: inline;font-family:Times New Roman;">24.09</font><font style="display: inline;font-family:Times New Roman;"> million compared with $</font><font style="display: inline;font-family:Times New Roman;">24.12</font><font style="display: inline;font-family:Times New Roman;"> million in the </font><font style="display: inline;font-family:Times New Roman;">nine months </font><font style="display: inline;font-family:Times New Roman;">of 2022. </font><font style="display: inline;font-family:Times New Roman;">The t</font><font style="display: inline;font-family:Times New Roman;">hird quarter of 2023 reflected a decline in professional fees and outside expenses following the successful conclusion of a fraud loss </font><font style="display: inline;font-family:Times New Roman;">matter</font><font style="display: inline;font-family:Times New Roman;"> and significantly lower year-over-year expenses related to other real estate owned.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font>
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			<font style="display: inline;font-family:Times New Roman;">T</font><font style="display: inline;font-family:Times New Roman;">he Company continued to demonstrate</font><font style="display: inline;font-family:Times New Roman;"> stable </font><font style="display: inline;font-family:Times New Roman;">productivity </font><font style="display: inline;font-family:Times New Roman;">in the nine months of 2023, with </font><font style="display: inline;font-family:Times New Roman;">return on average equity</font><font style="display: inline;font-family:Times New Roman;"> (ROAE) </font><font style="display: inline;font-family:Times New Roman;">of 17.20% compared with 15.</font><font style="display: inline;font-family:Times New Roman;">4</font><font style="display: inline;font-family:Times New Roman;">5% a year earlier and a </font><font style="display: inline;font-family:Times New Roman;">return o</font><font style="display: inline;font-family:Times New Roman;">n average assets </font><font style="display: inline;font-family:Times New Roman;">(ROAA) </font><font style="display: inline;font-family:Times New Roman;">of 0.93%</font><font style="display: inline;font-family:Times New Roman;"> compared with 0.95% a year earlier, which primarily reflected asset growth in 2023</font><font style="display: inline;font-family:Times New Roman;">. &nbsp;</font><font style="display: inline;font-family:Times New Roman;">The efficiency ratio </font><font style="display: inline;font-family:Times New Roman;">for the nine months of 2023 was 75.19% compared with 75.53% for the nine months of 2022.</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">Balance Sheet</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">: Liquidity, </font><font style="display: inline;font-family:Times New Roman;font-weight:bold;">Asset Quality</font>
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			<font style="display: inline;font-family:Times New Roman;">Total assets were $</font><font style="display: inline;font-family:Times New Roman;">9</font><font style="display: inline;font-family:Times New Roman;">60</font><font style="display: inline;font-family:Times New Roman;">.89</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">million </font><font style="display: inline;font-family:Times New Roman;">at</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, 2023</font><font style="display: inline;font-family:Times New Roman;"> compared with $928.57 million at </font><font style="display: inline;font-family:Times New Roman;">December 31, 2022</font><font style="display: inline;font-family:Times New Roman;">.</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Loans, net of allowance for </font><font style="display: inline;font-family:Times New Roman;">credit loss</font><font style="display: inline;font-family:Times New Roman;">es, </font><font style="display: inline;font-family:Times New Roman;">declined to </font><font style="display: inline;font-family:Times New Roman;">$</font><font style="display: inline;font-family:Times New Roman;">599.60</font><font style="display: inline;font-family:Times New Roman;"> million at </font><font style="display: inline;font-family:Times New Roman;">September 30</font><font style="display: inline;font-family:Times New Roman;">, 2023 compared with $605.37 million at December 31, 2022</font><font style="display: inline;font-family:Times New Roman;">, primarily reflecting lower commercial lending activity.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Due to lower originations and payoffs, c</font><font style="display: inline;font-family:Times New Roman;">ommercial real estate loans (</font><font style="display: inline;font-family:Times New Roman;">owner-occupied</font><font style="display: inline;font-family:Times New Roman;"> and non-owner occupied and excluding construction loans) </font><font style="display: inline;font-family:Times New Roman;">decreased to</font><font style="display: inline;font-family:Times New Roman;"> approximately</font><font style="display: inline;font-family:Times New Roman;"> $305.72 million at September 30,</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">2023 compared with $336.95 </font><font style="display: inline;font-family:Times New Roman;">million </font><font style="display: inline;font-family:Times New Roman;">a year earlier and </font><font style="display: inline;font-family:Times New Roman;">$</font><font style="display: inline;font-family:Times New Roman;">3</font><font style="display: inline;font-family:Times New Roman;">41.89</font><font style="display: inline;font-family:Times New Roman;"> million</font><font style="display: inline;font-family:Times New Roman;"> at </font><font style="display: inline;font-family:Times New Roman;">December 31</font><font style="display: inline;font-family:Times New Roman;">, 2022</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">CRE loans declined by less than $7 million from the second quarter of 2023, reflecting</font><font style="display: inline;font-family:Times New Roman;"> a decrease in the rate of payoffs</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;"> &nbsp; &nbsp;</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Commercial loans (primarily C&amp;I loans) were </font><font style="display: inline;font-family:Times New Roman;">$65.83 million at September 30, 2023, down from $95.88 million at December 31, 2022 and </font><font style="display: inline;font-family:Times New Roman;">$69.</font><font style="display: inline;font-family:Times New Roman;">89</font><font style="display: inline;font-family:Times New Roman;"> million at June 30, 2023</font><font style="display: inline;font-family:Times New Roman;">. &nbsp;</font><font style="display: inline;font-family:Times New Roman;">Commercial construction loans</font><font style="display: inline;font-family:Times New Roman;"> increased to</font><font style="display: inline;font-family:Times New Roman;"> $23.75 million at September 30, 2023 </font><font style="display: inline;font-family:Times New Roman;">from $</font><font style="display: inline;font-family:Times New Roman;">1</font><font style="display: inline;font-family:Times New Roman;">2.14 million</font><font style="display: inline;font-family:Times New Roman;"> at </font><font style="display: inline;font-family:Times New Roman;">December 31, 2022</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Residential mortgage and residential construction loans have grown significantly</font><font style="display: inline;font-family:Times New Roman;"> throughout the year</font><font style="display: inline;font-family:Times New Roman;">, increasing to approximately $133.68 million at September 30, 2023 </font><font style="display: inline;font-family:Times New Roman;">from $63.75 million </font><font style="display: inline;font-family:Times New Roman;">since December 31, 2022. </font><font style="display: inline;font-family:Times New Roman;">During the third quarter,</font><font style="display: inline;font-family:Times New Roman;"> our c</font><font style="display: inline;font-family:Times New Roman;">onsumer lending slowed.</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Some of the variances in the loan classifications above were due to the Bank</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s reclassification of loan categories in connection with the adoption </font><font style="display: inline;font-family:Times New Roman;">of </font><font style="display: inline;font-family:Times New Roman;">the current expected credit loss (</font><font style="display: inline;font-family:Times New Roman;">CECL</font><font style="display: inline;font-family:Times New Roman;">) methodology</font><font style="display: inline;font-family:Times New Roman;"> on January 1, 2023</font><font style="display: inline;font-family:Times New Roman;">.</font>
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			<font style="display: inline;font-family:Times New Roman;">Michael A. Syrek, President of the Bank, commented: </font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">While rapidly rising interest rates have </font><font style="display: inline;font-family:Times New Roman;">clearly </font><font style="display: inline;font-family:Times New Roman;">impacted commercial and retail loan demand</font><font style="display: inline;font-family:Times New Roman;"> and slowed </font><font style="display: inline;font-family:Times New Roman;">loan growth, </font><font style="display: inline;font-family:Times New Roman;">we continue to </font><font style="display: inline;font-family:Times New Roman;">lend and </font><font style="display: inline;font-family:Times New Roman;">are </font><font style="display: inline;font-family:Times New Roman;">provid</font><font style="display: inline;font-family:Times New Roman;">ing</font><font style="display: inline;font-family:Times New Roman;"> service</font><font style="display: inline;font-family:Times New Roman;">s</font><font style="display: inline;font-family:Times New Roman;"> and financial products </font><font style="display: inline;font-family:Times New Roman;">to commercial clients </font><font style="display: inline;font-family:Times New Roman;">that solidify relationships and create value</font><font style="display: inline;font-family:Times New Roman;"> for them</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;"> Our sophisticated capabilities and bankers</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;"> expertise ha</font><font style="display: inline;font-family:Times New Roman;">ve</font><font style="display: inline;font-family:Times New Roman;"> enabled us to meet the requirements of a growing range of customers</font><font style="display: inline;font-family:Times New Roman;"> and appeal to larger customers. This has generated </font><font style="display: inline;font-family:Times New Roman;">new lending and </font><font style="display: inline;font-family:Times New Roman;">deposit </font><font style="display: inline;font-family:Times New Roman;">relationship opportunities.</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Asset quality has </font><font style="display: inline;font-family:Times New Roman;">remained </font><font style="display: inline;font-family:Times New Roman;">strong</font><font style="display: inline;font-family:Times New Roman;"> and stable</font><font style="display: inline;font-family:Times New Roman;">, with a ratio of nonperforming loans to total loans of 0.</font><font style="display: inline;font-family:Times New Roman;">10</font><font style="display: inline;font-family:Times New Roman;">% at </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, 2023</font><font style="display: inline;font-family:Times New Roman;">. The </font><font style="display: inline;font-family:Times New Roman;">allowance for </font><font style="display: inline;font-family:Times New Roman;">credit loss</font><font style="display: inline;font-family:Times New Roman;">es</font><font style="display: inline;font-family:Times New Roman;"> on loans</font><font style="display: inline;font-family:Times New Roman;"> to total loans was 1.</font><font style="display: inline;font-family:Times New Roman;">2</font><font style="display: inline;font-family:Times New Roman;">1</font><font style="display: inline;font-family:Times New Roman;">% at </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, </font><font style="display: inline;font-family:Times New Roman;">2023 compared with 1.</font><font style="display: inline;font-family:Times New Roman;">0</font><font style="display: inline;font-family:Times New Roman;">2% at De</font><font style="display: inline;font-family:Times New Roman;">cember 31</font><font style="display: inline;font-family:Times New Roman;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;">2022</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font>
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			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">3</font><font style="display: inline;font-family:Times New Roman;"></font>

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</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;;font-size: 11pt"><font style="display: inline;font-family:Times New Roman;">T</font><font style="display: inline;font-family:Times New Roman;">otal nonperforming loans </font><font style="display: inline;font-family:Times New Roman;">were $</font><font style="display: inline;font-family:Times New Roman;">585</font><font style="display: inline;font-family:Times New Roman;">,000</font><font style="display: inline;font-family:Times New Roman;"> at </font><font style="display: inline;font-family:Times New Roman;">September 30</font><font style="display: inline;font-family:Times New Roman;">, 2023, </font><font style="display: inline;font-family:Times New Roman;">down </font><font style="display: inline;font-family:Times New Roman;">from </font><font style="display: inline;font-family:Times New Roman;">$633,000 at </font><font style="display: inline;font-family:Times New Roman;">December 31, 202</font><font style="display: inline;font-family:Times New Roman;">2. Total nonperforming assets </font><font style="display: inline;font-family:Times New Roman;">declined to </font><font style="display: inline;font-family:Times New Roman;">$</font><font style="display: inline;font-family:Times New Roman;">585,</font><font style="display: inline;font-family:Times New Roman;">000 </font><font style="display: inline;font-family:Times New Roman;">at </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, 2023 compared with </font><font style="display: inline;font-family:Times New Roman;">$1.20 million at December 31, 2022.</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Total deposits </font><font style="display: inline;font-family:Times New Roman;">at </font><font style="display: inline;font-family:Times New Roman;">September </font><font style="display: inline;font-family:Times New Roman;">30, </font><font style="display: inline;font-family:Times New Roman;">2023</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">increased to </font><font style="display: inline;font-family:Times New Roman;">$</font><font style="display: inline;font-family:Times New Roman;">8</font><font style="display: inline;font-family:Times New Roman;">80.20</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">million</font><font style="display: inline;font-family:Times New Roman;"> compared with $848.14 million </font><font style="display: inline;font-family:Times New Roman;">at </font><font style="display: inline;font-family:Times New Roman;">December 31</font><font style="display: inline;font-family:Times New Roman;">, 2022</font><font style="display: inline;font-family:Times New Roman;">. The Bank added approximately $13 million in deposits during the third quarter. </font><font style="display: inline;font-family:Times New Roman;">Total deposits </font><font style="display: inline;font-family:Times New Roman;">primarily </font><font style="display: inline;font-family:Times New Roman;">reflected the </font><font style="display: inline;font-family:Times New Roman;">judicious addition of </font><font style="display: inline;font-family:Times New Roman;">time deposits</font><font style="display: inline;font-family:Times New Roman;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;">partially offset by a </font><font style="display: inline;font-family:Times New Roman;">modest decline </font><font style="display: inline;font-family:Times New Roman;">in core deposits</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">(noninterest-bearing demand, NOW, savings and money market accounts)</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">Lower-cost c</font><font style="display: inline;font-family:Times New Roman;">ore deposits </font><font style="display: inline;font-family:Times New Roman;">represented</font><font style="display: inline;font-family:Times New Roman;"> 77.18%</font><font style="display: inline;font-family:Times New Roman;"> of total </font><font style="display: inline;font-family:Times New Roman;">deposits.</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Maintaining strong liquidity continues to be a focus</font><font style="display: inline;font-family:Times New Roman;"> to ensure strong, secure operations.</font><font style="display: inline;font-family:Times New Roman;"> The Company added </font><font style="display: inline;font-family:Times New Roman;">cash and cash equivalents in the </font><font style="display: inline;font-family:Times New Roman;">third </font><font style="display: inline;font-family:Times New Roman;">quarter of 2023</font><font style="display: inline;font-family:Times New Roman;">, had approximately $80 million of </font><font style="display: inline;font-family:Times New Roman;">available </font><font style="display: inline;font-family:Times New Roman;">Fed </font><font style="display: inline;font-family:Times New Roman;">F</font><font style="display: inline;font-family:Times New Roman;">unds</font><font style="display: inline;font-family:Times New Roman;"> sold</font><font style="display: inline;font-family:Times New Roman;">, and</font><font style="display: inline;font-family:Times New Roman;"> strengthened several </font><font style="display: inline;font-family:Times New Roman;">off-balance sheet options.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">For example, the Bank supplemented its current lines of credit with a new $20 million correspondent line of credit and</font><font style="display: inline;font-family:Times New Roman;"> increas</font><font style="display: inline;font-family:Times New Roman;">ed</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">borrowing capacity with</font><font style="display: inline;font-family:Times New Roman;"> the Federal Home Loan Bank of Atlanta</font><font style="display: inline;font-family:Times New Roman;"> by pledging additional collateral</font><font style="display: inline;font-family:Times New Roman;">.</font>
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		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">The Company</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">measures of shareholder value</font><font style="display: inline;font-family:Times New Roman;"> remained stable. Book value per share was $11.03 compared with $10.85 at December 31, 2022</font><font style="display: inline;font-family:Times New Roman;">. &nbsp;</font><font style="display: inline;font-family:Times New Roman;">Total stockholders</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;"> equity was $50.13 million at September 30, 2023 compared with $50.23 million at December 31, 2022 and retained earnings increased to $34.93 million at September 30, 2023 from $31.</font><font style="display: inline;font-family:Times New Roman;">03 million at December 31, 2022.</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Some of t</font><font style="display: inline;font-family:Times New Roman;">hese</font><font style="display: inline;font-family:Times New Roman;"> measures</font><font style="display: inline;font-family:Times New Roman;">, including book value</font><font style="display: inline;font-family:Times New Roman;"> per share</font><font style="display: inline;font-family:Times New Roman;"> and stockholders</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;"> equity</font><font style="display: inline;font-family:Times New Roman;">,</font><font style="display: inline;font-family:Times New Roman;"> continue to be negatively impacted by </font><font style="display: inline;font-family:Times New Roman;">market value changes </font><font style="display: inline;font-family:Times New Roman;">in</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">the Company</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s &nbsp;</font><font style="display: inline;font-family:Times New Roman;">available-for-sale securities portfolio, reflecting the impact of higher interest rates. These </font><font style="display: inline;font-family:Times New Roman;">mark-to-market losses </font><font style="display: inline;font-family:Times New Roman;">are excluded </font><font style="display: inline;font-family:Times New Roman;">when calculating</font><font style="display: inline;font-family:Times New Roman;"> the Bank</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s regulatory capital</font><font style="display: inline;font-family:Times New Roman;"> ratios</font><font style="display: inline;font-family:Times New Roman;">. &nbsp;</font><font style="display: inline;font-family:Times New Roman;">The available-for-sale securities portfolio is composed primarily of </font><font style="display: inline;font-family:Times New Roman;">securities with implicit government </font><font style="display: inline;font-family:Times New Roman;">guarantees, including </font><font style="display: inline;font-family:Times New Roman;">U.S. Treasuries</font><font style="display: inline;font-family:Times New Roman;"> and</font><font style="display: inline;font-family:Times New Roman;"> U.S. </font><font style="display: inline;font-family:Times New Roman;">agency obligations</font><font style="display: inline;font-family:Times New Roman;">, and other highly-rated debt instruments. </font><font style="display: inline;font-family:Times New Roman;">The Company does not expect to realize the unrealized losses as it has the intent and ability to hold the securities until their recovery, which may be at maturity. </font><font style="display: inline;font-family:Times New Roman;">Management continues to </font><font style="display: inline;font-family:Times New Roman;">diligently</font><font style="display: inline;font-family:Times New Roman;"> monitor the </font><font style="display: inline;font-family:Times New Roman;">creditworthiness</font><font style="display: inline;font-family:Times New Roman;"> of </font><font style="display: inline;font-family:Times New Roman;">the issuers of the debt instruments within its securities portfolio.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">The duration of </font><font style="display: inline;font-family:Times New Roman;">the Company</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s &nbsp;</font><font style="display: inline;font-family:Times New Roman;">overall securities portfolio is</font><font style="display: inline;font-family:Times New Roman;"> approximately</font><font style="display: inline;font-family:Times New Roman;"> 6 years.</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">The Company</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s positive financial performance supported </font><font style="display: inline;font-family:Times New Roman;">its </font><font style="display: inline;font-family:Times New Roman;">longstanding </font><font style="display: inline;font-family:Times New Roman;">practice </font><font style="display: inline;font-family:Times New Roman;">of paying a quarterly cash dividend to shareholders.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">As </font><font style="display: inline;font-family:Times New Roman;">previously </font><font style="display: inline;font-family:Times New Roman;">noted, the Company</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s</font><font style="display: inline;font-family:Times New Roman;"> now-completed</font><font style="display: inline;font-family:Times New Roman;"> stock repurchase programs have contributed to earnings and generated shareholder value.</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">About the Company</font>
		</p>
		<p style="margin:0pt 0pt 10pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">Bank of the James, a wholly-owned subsidiary of Bank of the James Financial Group, Inc. opened for business in July 1999 and is headquartered in Lynchburg, Virginia. The </font><a name="_9kMHG5YVt46667FR2lw"></a><font style="display: inline;font-family:Times New Roman;">Bank</font><font style="display: inline;font-family:Times New Roman;"> currently services customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, Rustburg</font><font style="display: inline;font-family:Times New Roman;">, and Wytheville</font><font style="display: inline;font-family:Times New Roman;">. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">The Bank provides mortgage loan origination through Bank of the </font><a name="_9kR3WTr26645CW8inudU6C2klq"></a><font style="display: inline;font-family:Times New Roman;">James Mortgage</font><font style="display: inline;font-family:Times New Roman;">, a division of Bank of the James. The Company provides investment advisory services through its wholly-owned subsidiary, Pettyjohn, Wood &amp; White, Inc., an SEC-registered investment advisor. Bank of the James Financial Group, Inc. common stock is listed under the symbol </font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">BOTJ</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;"> on the NASDAQ Stock Market, LLC.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">Additional information on the Company is available at </font><font style="display: inline;font-family:Times New Roman;">www.bankofthejames.</font><a name="_9kMIH5YVt46667FR2lw"></a><font style="display: inline;font-family:Times New Roman;">bank</font><font style="display: inline;font-family:Times New Roman;">.</font>
		</p>
		<p style="margin:0pt 0pt 6.25pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">Cautionary Statement Regarding Forward-Looking Statements</font>
		</p>
		<p style="margin:0pt 0pt 10pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">This press release contains statements that constitute </font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">forward-looking statements</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;"> within the meaning of the </font><a name="_9kR3WTy856457XVv0tsxXSj0G589v6oZEF3wAJF"></a><font style="display: inline;font-family:Times New Roman;">Private Securities Litigation Reform Act of 1995</font><font style="display: inline;font-family:Times New Roman;">. The words </font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">believe,</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">estimate,</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">expect,</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">intend,</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">anticipate,</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><font style="display: inline;font-family:Times New Roman;">plan</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;"> and similar expressions and variations thereof identify certain of such forward-looking statements which speak only as of the dates on which they were made. Bank of the James Financial Group, Inc. (the </font><font style="display: inline;font-family:Times New Roman;">&#x201C;</font><a name="_9kMHG5YVt3BC67HUHy0poD"></a><font style="display: inline;font-family:Times New Roman;">Company</font><font style="display: inline;font-family:Times New Roman;">&#x201D;</font><font style="display: inline;font-family:Times New Roman;">) undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. Readers are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those indicated in the forward-looking statements as a result of various factors. Such factors include, but are not limited to, competition, general economic conditions, potential changes in interest rates</font><font style="display: inline;font-family:Times New Roman;">, &nbsp;</font><font style="display: inline;font-family:Times New Roman;">changes in the value of real estate securing loans made by the Bank</font><font style="display: inline;font-family:Times New Roman;"> as well as </font><font style="display: inline;font-family:Times New Roman;">the</font><font style="display: inline;font-family:Times New Roman;"> potential for the resurgence of </font><font style="display: inline;font-family:Times New Roman;">COVID-19</font><font style="display: inline;font-family:Times New Roman;"> and geopolitical conditions</font><font style="display: inline;font-family:Times New Roman;">.</font><font style="display: inline;font-family:Times New Roman;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;">Additional information concerning factors </font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">4</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 10pt;line-height:100%;font-family:Calibri;;font-size: 11pt"><font style="display: inline;font-family:Times New Roman;">that could cause actual results to materially differ from those in the forward-looking statements is contained in the </font><a name="_9kR3WTr67345A"></a><font style="display: inline;font-family:Times New Roman;">Company</font><font style="display: inline;font-family:Times New Roman;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;">s</font><font style="display: inline;font-family:Times New Roman;"> filings with the Securities and Exchange Commission.&nbsp; </font>
		</p>
		<p style="margin:0pt;line-height:115%;border-bottom:1pt none #D9D9D9 ;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">CONTACT: J. Todd Scruggs, Executive Vice President and Chief Financial Officer (434) 846-2000.</font>
		</p>
		<p style="margin:0pt;line-height:115%;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;line-height:115%;text-align:center;border-top:1pt none #D9D9D9 ;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">FINANCIAL RESULTS FOLLOW</font>
		</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 11pt">

		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">5</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;;font-size: 11pt"><font style="display: inline;font-family:Times New Roman;font-weight:bold;"></font>
		</p>
		<p style="margin:0pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Bank of the James Financial Group, Inc. and Subsidiaries</font>
		</p>
		<p style="margin:0pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Consolidated Balance Sheets</font>
		</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">(dollar amounts in thousands, except per share amounts)</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:414.00pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">(unaudited)</font></p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Assets</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">9/30/2023</font></p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">12/31/2022</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Cash and due from banks</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$20,105&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$30,025&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Federal funds sold</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">79,424&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">31,737&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Total cash and cash equivalents</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">99,529&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">61,762&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:28.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Securities held-to-maturity, at amortized cost (fair value of $3,028 in 2023 and $3,135 in 2022)</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:28.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,626&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:28.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:28.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,639&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Securities available-for-sale, at fair value</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">181,977&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">185,787&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Restricted stock, at cost</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,541&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,387&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:23.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Loans, net of allowance for credit losses of $7,320 in 2023 and $6,259 in 2022</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:23.40pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">599,585&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:23.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:23.40pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">605,366&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Loans held for sale</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,325&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,423&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Premises and equipment, net</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">18,371&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">17,974&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Interest receivable </font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,707&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,736&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Cash value - bank owned life insurance</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">21,443&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">19,237&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Customer relationship Intangible, net</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,425&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,845&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Goodwill</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,054&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,054&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Other real estate owned</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">566&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Deferred tax asset</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,376&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">9,125&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Other assets</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,928&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,670&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;Total assets</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$960,887&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$928,571&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Liabilities and Stockholders</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> Equity</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Deposits</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Noninterest bearing demand</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$154,628&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$154,884&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;NOW, money market and savings</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">524,721&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">560,479&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Time</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">200,854&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">132,775&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Total deposits</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">880,203&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">848,138&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Capital notes, net</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,041&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,037&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Other borrowings</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,030&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,457&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Interest payable</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">381&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">89&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Other liabilities</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,103&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">9,624&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;Total liabilities</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$910,758&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$878,345&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Stockholders</font><font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> equity</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 as of September 30, 2023 and 4,628,657 as of December 31, 2022</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:26.40pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">9,723&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:26.40pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">9,905&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Additional paid-in-capital</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">35,253&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">36,068&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Accumulated other comprehensive (loss)</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(29,778)
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(26,781)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Retained earnings</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">34,931&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">31,034&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Total stockholders</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> equity</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$50,129&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$50,226&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr></table>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">6</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:414.00pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="width:258.65pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Total liabilities and stockholders</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> equity</font></p>
				</td>
				<td valign="bottom" style="width:72.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$960,887&nbsp;
				</td>
				<td valign="bottom" style="width:15.85pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$928,571&nbsp;
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">7</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;;font-size: 10pt"><font style="display: inline;font-family:Times New Roman;font-size:10pt;"></font>
		</p>
		<p style="margin:0pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Bank of the James Financial Group, Inc. and Subsidiaries</font>
		</p>
		<p style="margin:0pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Consolidated Statements of Income</font>
		</p>
		<p style="margin:0pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">(dollar amounts in thousands, except per share amounts)</font>
		</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">(unaudited)</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:486.00pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td colspan="3" valign="bottom" style="width:138.30pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">For the Three Months</font></p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td colspan="3" valign="bottom" style="width:136.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">For the Nine Months</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td colspan="3" valign="bottom" style="width:138.30pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Ended September 30,</font></p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td colspan="3" valign="bottom" style="width:136.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Ended September 30,</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Interest Income</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Loans</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$7,990&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$6,830&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$23,251&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$18,909&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Securities</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;US Government and agency obligations</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">321&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">331&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">962&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">911&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Mortgage backed securities</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">435&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">437&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,255&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,196&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Municipals</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">304&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">289&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">908&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">867&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Dividends</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">5&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">49&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">36&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Other (Corporates)</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">139&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">144&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">423&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">395&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Interest bearing deposits</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">134&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">101&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">375&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">135&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Federal Funds sold</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">812&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">262&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,601&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">463&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Total interest income</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,143&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,399&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">28,824&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">22,912&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Interest Expense</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Deposits</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;NOW, money market savings</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">894&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">133&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,916&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">374&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Time Deposits</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,683&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">143&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,918&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">467&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;FHLB borrowings</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">31&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Finance leases</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">22&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">24&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">66&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">73&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Other borrowings</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">98&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">117&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">297&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">339&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Capital notes</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">82&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">82&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">245&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">245&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;Total interest expense</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,779&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">499&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">6,473&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,498&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Net interest income</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,364&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,900&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">22,351&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">21,414&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">Recovery of credit losses</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(164)
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(300)
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(278)
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(900)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Net interest income after recovery of credit losses</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,528&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,200&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">22,629&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">22,314&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Noninterest income</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Gains on sale of loans held for sale</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">989&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,472&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,065&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,675&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Service charges, fees and commissions</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,004&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,313&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,942&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,563&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Wealth management fees</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,050&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">959&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,098&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,935&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Life insurance income</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">139&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">113&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">405&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">338&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Other</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">19&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(3)
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">179&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,201&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,854&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">9,689&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,519&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Noninterest expenses</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Salaries and employee benefits</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,683&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,529&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">13,296&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">13,051&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Occupancy</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">458&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">445&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,389&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,348&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Equipment</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">501&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">647&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,813&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,870&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Supplies</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">118&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">116&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">399&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">380&nbsp;
				</td>
			</tr></table>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">8</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:486.00pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Professional, data processing, and other outside expense</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,371&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,619&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,154&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,544&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Marketing</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">204&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">222&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">683&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">661&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Credit expense</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">218&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">244&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">623&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">765&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Other real estate expenses, net</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">195&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">36&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">207&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;FDIC insurance expense</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">126&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">121&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">321&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">382&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;"> &nbsp;&nbsp;Amortization of intangibles</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">46&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">140&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">420&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">420&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;"> &nbsp;&nbsp;Other</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">412&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">601&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">957&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,491&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expenses</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,140&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,879&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">24,091&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt solid #000000 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">24,119&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Income before income taxes</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,589&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,175&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,227&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,714&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Income tax expense</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">511&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">601&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,631&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,709&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;"> &nbsp;&nbsp;&nbsp;&nbsp;Net Income</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$2,078&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$2,574&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$6,596&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:2pt double #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$7,005&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.80pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Weighted average shares outstanding - basic and diluted</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,543,338&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,683,581&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,568,789&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,721,423&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="width:190.20pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Net income per common share - basic and diluted</font></p>
				</td>
				<td valign="bottom" style="width:57.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$0.46&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:66.90pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$0.55&nbsp;
				</td>
				<td valign="bottom" style="width:20.60pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:60.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$1.44&nbsp;
				</td>
				<td valign="bottom" style="width:13.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt solid #000000 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$1.48&nbsp;
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">9</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;;font-size: 10pt"><font style="display: inline;font-family:Times New Roman;font-size:10pt;"></font>
		</p>
		<p style="margin:0pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Bank of the James Financial Group, Inc. and Subsidiaries</font>
		</p>
		<p style="margin:0pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Dollar amounts in thousands, except per share data</font>
		</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Unaudited</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:517.25pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:66.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Selected Data:</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:66.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:66.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:66.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:66.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:66.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:66.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Interest income</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$10,143&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$8,399&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">20.76%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$28,824&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$22,912&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">25.80%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Interest expense</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,779&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">499&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">456.91%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">6,473&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,498&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">332.11%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Net interest income</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,364&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,900&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-6.78%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">22,351&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">21,414&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4.38%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Recovery of credit losses</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(164)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(300)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-45.33%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(278)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(900)
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-69.11%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Noninterest income</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,201&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,854&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-16.94%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">9,689&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">10,519&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-7.89%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Noninterest expense</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,140&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8,879&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-8.32%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">24,091&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">24,119&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-0.12%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Income taxes</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">511&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">601&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-14.98%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,631&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,709&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-4.56%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Net income</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,078&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,574&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-19.27%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">6,596&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,005&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-5.84%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Weighted average shares outstanding - basic and diluted</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,543,338&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,683,581&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(140,243)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,568,789&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,721,423&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(152,634)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Basic and diluted net income</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">per share</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$0.46&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$0.55&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$(0.09)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$1.44&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$1.48&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$(0.04)
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:517.25pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Balance Sheet at</font></p>
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">period end:</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Dec 31,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Dec 31,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2021</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Loans, net</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$599,585&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$605,366&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-0.95%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$614,117&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$576,469&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">6.53%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Loans held for sale</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,325&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2,423&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">37.23%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,239&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,628&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">98.96%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total securities</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">185,603&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">189,426&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-2.02%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">194,774&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">164,922&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">18.10%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total deposits</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">880,203&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">848,138&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3.78%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">883,069&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">887,056&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-0.45%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Stockholders</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;"> equity</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">50,129&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">50,226&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-0.19%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">48,339&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">69,429&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-30.38%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total assets</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">960,887&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">928,571&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3.48%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">962,570&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">987,634&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-2.54%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Shares outstanding</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,543,338&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,628,657&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(85,319)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,628,657&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,740,657&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(112,000)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Book value per share</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$11.03&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$10.85&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$0.18&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$10.44&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$14.65&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$(4.21)
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">10</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;;font-size: 10pt"><font style="display: inline;font-family:Times New Roman;font-size:10pt;"></font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:517.25pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Daily averages:</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Loans</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$612,021&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$615,208&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-0.52%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$618,152&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$600,286&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">2.98%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Loans held for sale</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,421&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4,217&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">4.84%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,548&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3,978&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-10.81%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total securities (book value)</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">222,969&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">230,986&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-3.47%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">223,391&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">220,863&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.14%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total deposits</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">869,655&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">885,602&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-1.80%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">862,212&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">895,274&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-3.69%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Stockholders</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#x2019;</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;"> equity</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">52,564&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">52,451&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.22%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">51,274&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">60,603&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-15.39%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Interest earning assets</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">909,774&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">916,798&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-0.77%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">897,364&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">927,482&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-3.25%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Interest bearing liabilities</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">740,516&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">752,909&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-1.65%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">732,522&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">749,545&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-2.27%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total assets</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">953,546&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">968,985&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-1.59%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">944,568&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">986,867&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-4.29%</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:517.25pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Financial Ratios:</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Return on average assets</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.86%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.05%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(0.19)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.93%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.95%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(0.02)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Return on average equity</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">15.68%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">19.47%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(3.79)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">17.20%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">15.45%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.75&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Net interest margin</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3.21%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3.43%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(0.22)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3.33%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">3.09%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.24&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Efficiency ratio</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">77.05%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">75.54%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.51&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">75.19%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">75.53%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(0.34)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:26.90pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Average equity to</font></p>
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">average assets</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:26.90pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">5.51%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:26.90pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">5.41%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:26.90pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.10&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:26.90pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">5.43%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:26.90pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">6.14%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:26.90pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(0.71)
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:517.25pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Allowance for credit losses on loans:</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Three</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">months</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">ending</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Year</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">to</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">date</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:68.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Beginning balance</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$7,586&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$6,616&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">14.66%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$6,259&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$6,915&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-9.49%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Retained earnings adjustment related to impact of adoption of ASU 2016-13</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">N/A</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:26.40pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,245&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:26.40pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">N/A</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Recovery of credit losses</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(130)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(300)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-56.67%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(188)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(900)
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-79.11%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Charge-offs</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(144)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(1)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">14300.00%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(196)
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(10)
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1860.00%&nbsp;
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Recoveries</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">8&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">79&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-89.87%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">200&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">389&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-48.59%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Ending balance</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,320&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">6,394&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">14.48%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">7,320&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">6,394&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">14.48%&nbsp;
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">11</font><font style="display: inline;font-family:Times New Roman;"></font>

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;;font-size: 10pt"><font style="display: inline;font-family:Times New Roman;font-size:10pt;"></font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:517.25pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Nonperforming assets:</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Dec 31,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Dec 31,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2021</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total nonperforming loans</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$585&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$633&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-7.58%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$788&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">$954&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-17.40%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Other real estate owned</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">566&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-100.00%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">566&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">761&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-25.62%</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Total nonperforming assets</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">585&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,199&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-51.21%</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,354&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1,715&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-21.05%</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 8pt;line-height:107.92%;font-family:Calibri;font-size: 10pt">
			<font style="display: inline;font-family:Times New Roman;font-size:10pt;">&#xFEFF;</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:517.25pt;margin-left:0pt;">
			<tr>
				<td valign="bottom" style="width:135.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&#xFEFF;</font></p>
				</td>
				<td valign="bottom" style="width:62.75pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:67.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:61.45pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:69.05pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:63.00pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="bottom" style="width:58.50pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Asset quality ratios:</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2023</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Dec 31,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Sep 30,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2022</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Dec 31,</font></p>
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">2021</font></p>
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:center;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-weight:bold;font-size:10pt;">Change</font></p>
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Nonperforming loans to</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">total loans</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.10%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.10%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;text-align:right;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;color:#000000;font-size:10pt;">-</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.13%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.16%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(0.03)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Allowance for credit losses</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">&nbsp;</font><font style="display: inline;font-family:Times New Roman;font-size:10pt;">to total loans</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.21%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.02%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">0.19&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.03%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1.19%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">(0.16)
				</td>
			</tr>
			<tr>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:135.00pt;background-color: #auto;height:13.20pt;padding:0pt 6.5pt">
					<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 10pt">
						<font style="display: inline;font-family:Times New Roman;font-size:10pt;">Allowance for credit losses to nonperforming loans</font></p>
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:62.75pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">1251.28%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:67.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">989.42%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:61.45pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">261.86&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:69.05pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">811.42%&nbsp;
				</td>
				<td valign="bottom" style="border-right:1pt solid #000000 ;border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:63.00pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">724.84%&nbsp;
				</td>
				<td valign="bottom" style="border-left:1pt solid #000000 ;border-top:1pt solid #000000 ;border-right:1pt solid #000000 ;border-bottom:1pt solid #000000 ;width:58.50pt;background-color: #auto;height:13.20pt;color:#000000;font-family:Times New Roman;font-size:10pt;text-align:right;" nowrap="nowrap">86.58&nbsp;
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">
			<font style="display: inline;font-family:Times New Roman;font-weight:bold;">&#xFEFF;</font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;line-height:100%;font-family:Calibri;font-size: 11pt">

			&nbsp;

		</p>

		<p style="margin:0pt;text-align:center;line-height:100%;font-family:Calibri;font-size: 11pt">

			<font style="display: inline;font-family:Times New Roman;"></font><font style="display: inline;font-family:Times New Roman;">12</font><font style="display: inline;font-family:Times New Roman;"></font>

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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>botj-20231017.xsd
<DESCRIPTION>EX-101.SCH
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created by Certent Disclosure Management 23.3.2.2 -->
<!--Based on XBRL 2.1-->
<!--Created on: 10/20/2023 2:03:03 PM-->
<!--Modified on: 10/20/2023 2:03:03 PM-->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://www.bankofthejames.com/20231017" elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:botj="http://www.bankofthejames.com/20231017" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31">
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  <import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"></import>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"></import>
  <import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd"></import>
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>botj-20231017_lab.xml
<DESCRIPTION>EX-101.LAB
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created by Certent Disclosure Management 23.3.2.2 -->
<!--Based on XBRL 2.1-->
<!--Created on: 10/20/2023 2:03:03 PM-->
<!--Modified on: 10/20/2023 2:03:03 PM-->
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<TYPE>EX-101.PRE
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<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.23.3</span><table class="report" border="0" cellspacing="2" id="idm140245467498240">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 17, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_botj_DocumentAndEntityInformationAbstract', window );"><strong>Document And Entity Information [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 17,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">BANK OF THE JAMES FINANCIAL GROUP, INC.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-35402<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">VA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">20-0500300<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">828 Main Street<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Lynchburg<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">VA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">24504<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">434<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">846-2000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001275101<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $2.14 par value<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BOTJ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_botj_DocumentAndEntityInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Document and Entity Information [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">botj_DocumentAndEntityInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>botj_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
